🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 80224

Denver, Colorado

7.2out of 10
High Risk

Risk Summary for ZIP 80224

ZIP 80224 scores 7.2/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hail.

Top Hazards

Hail Lightning Tornado

All 18 Hazard Scores

Hail
10.0
Lightning
9.9
Tornado
9.8
Volcanic Activity
9.8
Strong Wind
9.7
Winter Weather
9.3
Cold Wave
9.3
Earthquake
9.2
Landslide
8.9
Extreme Heat
7.5
Wildfire
6.6
Tsunami
5.4
Coastal Flooding
4.9
Avalanche
4.5
Drought
3.1
Ice Storm
2.7
Hurricane
2.4
Riverine Flooding
1.0

How it compares

ZIP 80224
7.2
Colorado 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: ZIP 80224, Colorado

Located in the Great Plains, ZIP 80224 serves the Denver community. The semi-arid continental climate of this part of Colorado β€” bringing dry air, significant mountain snowfall, and rapid weather changes β€” directly shapes the hazard exposure for properties in this postal area.

ZIP 80224's overall natural disaster risk is rated 7.2/10 (High) by FEMA's National Risk Index. Hail is the primary natural disaster concern, with severe storms delivering baseball-sized or larger hailstones that cause significant insured losses each year. Secondary hazards include lightning and tornado.

Relative to other U.S. communities, ZIP 80224'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 hail and lightning, as measured by FEMA across Colorado. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a high natural disaster risk rating, ZIP 80224 residents benefit from taking preparedness seriously. Reviewing insurance coverage for hail and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.

What this means for ZIP 80224: Hail preparedness

  • 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.
  • Impact-resistant (Class 4) roofing can reduce hail damage and may lower insurance premiums.

Risk for the surrounding area

Local Factors for ZIP 80224

These city-level factors differentiate ZIP 80224 from other communities in Colorado County and provide geographic context for its hazard exposure.

Population

19,352

Suburban

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 39.7Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” summer fire risk

Fire score: 6.6/10

Coordinates

39.6880Β° N, 104.9116Β° W

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for ZIP 80224

Last 12 months Β· Source: Open-Meteo archive

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Nearby ZIP codes

Other cities in Colorado

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 β€” consult official emergency management resources and a licensed insurer for property-specific advice.