🌍 ClimateRiskCheck

Natural Disaster Risk in Jelm

Wyoming

7.9out of 10
High Risk

Risk Summary for Jelm

Jelm scores 7.9/10 (High risk), above the U.S. average of 4.5. The leading hazard is Lightning.

Top Hazards

Lightning Avalanche Hail

All 18 Hazard Scores

Lightning
9.9
Wildfire
9.8
Hail
9.8
Winter Weather
9.8
Landslide
9.8
Avalanche
9.8
Volcanic Activity
9.7
Cold Wave
9.5
Tornado
9.2
Strong Wind
8.9
Earthquake
8.3
Extreme Heat
6.4
Ice Storm
5.9
Drought
5.4
Tsunami
5.4
Coastal Flooding
4.9
Hurricane
2.4
Riverine Flooding
1.0

How it compares

Jelm
7.9
Wyoming avg.
5.2
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” check your policy limits

Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Jelm, Wyoming

Located in the Great Plains in Larimer County, Jelm is a small unincorporated community. The semi-arid climate that characterizes this part of Wyoming β€” marked by high winds, cold winters, and significant snowfall at elevation β€” directly influences the types and severity of natural hazards present, making Jelm a community where hazard awareness has real practical value.

Jelm's overall natural disaster risk is rated 7.9/10 (High) by FEMA's National Risk Index. Frequent lightning strikes from an active thunderstorm environment represent the top natural hazard risk, posing safety concerns and causing fire ignitions and power outages. Secondary hazards include avalanche and hail.

Relative to other U.S. communities, Jelm's natural disaster risk is well above the U.S. national average of 4.5/10, considerably above the 5.2/10 state average. The hazard distribution here is led by lightning and avalanche, as measured by FEMA across Larimer County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

Jelm's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.

What this means for Jelm: Lightning preparedness

  • Follow the "when thunder roars, go indoors" rule and wait 30 minutes after the last thunder.
  • Avoid plumbing and corded electronics during active thunderstorms.
  • Install whole-home surge protection to shield electronics from strike-related power surges.

Local Factors for Jelm

These city-level factors differentiate Jelm from other communities in Larimer County and provide geographic context for its hazard exposure.

Population

62

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 40.9Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

High β€” long dry fire season

Fire score: 9.8/10

Coordinates

40.8755Β° N, 105.9889Β° W

Larimer 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 Jelm

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Jelm

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.