Natural Disaster Risk in Jay Em
Wyoming
Risk Summary for Jay Em
Jay Em scores 5.5/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Hail.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — standard coverage usually sufficient
This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Jay Em, Wyoming
Jay Em is a small unincorporated community in Goshen County, in the Great Plains. The area experiences high winds, cold winters, and significant snowfall at elevation, with blizzards and rapid weather changes shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Jay Em.
According to FEMA's National Risk Index, Jay Em carries an overall risk score of 5.5/10, placing it in the moderate category. Hail is the primary natural disaster concern, with severe storms delivering baseball-sized or larger hailstones that cause significant insured losses each year. The area also faces notable exposure to winter and avalanche.
Jay Em's risk score, near the 5.3/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Goshen County, the highest-scoring are hail, winter, and avalanche. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
Jay Em's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that hail exposure is adequately protected is a worthwhile step for property owners.
What this means for Jay Em: Hail preparedness
- Impact-resistant (Class 4) roofing can reduce hail damage and may lower insurance premiums.
- Park vehicles under cover when severe storms are forecast to avoid costly hail damage.
- Document roof and property condition annually to streamline any future hail claims.
Local Factors for Jay Em
These city-level factors differentiate Jay Em from other communities in Goshen County and provide geographic context for its hazard exposure.
Population
121
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Cool Continental
Latitude 42.5°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
High — long dry fire season
Fire score: 7.6/10
Coordinates
42.4973° N, 104.5063° W
Goshen County
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for Jay Em
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Jay Em
Other cities in Wyoming
Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.