Natural Disaster Risk — ZIP Code 80104

Castle Rock, Colorado

7.4out of 10

High Risk

Risk Summary for ZIP 80104

Above-average natural disaster risk. Several hazards pose meaningful threats. Ensure adequate home and property insurance.

Top Hazards

Hail Lightning Wildfire

All 18 Hazard Scores

Wildfire

9.9

Hail

9.9

Lightning

9.9

Winter Weather

9.7

Volcanic Activity

9.7

Tornado

9.4

Strong Wind

9.4

Avalanche

8.3

Landslide

8.1

Cold Wave

6.8

Earthquake

6.7

Extreme Heat

6.1

Tsunami

5.4

Ice Storm

5.2

Coastal Flooding

4.9

Drought

4.3

Hurricane

2.4

Riverine Flooding

1.0

How it compares

ZIP 80104

7.4

Colorado avg.

5.2

US national avg.

4.5

Live Conditions

Checking live alerts…

🏠 What this means for insurance

Above-average risk — 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.

Other cities in Colorado

Parker7.4/10 Aurora7.2/10 Greeley7.4/10 Longmont7.4/10 Commerce City7.5/10 Denver7.2/10 Fort Collins7.9/10 Broomfield5.7/10

Data source: FEMA National Risk Index (NRI). County-level data applied to ZIP codes within each county. Scores are normalized to 1–10 across all US counties. This information is for general awareness only — consult official emergency management resources and a licensed insurer for property-specific advice.