Natural Disaster Risk — ZIP Code 80430
Coalmont, Colorado
Risk Summary for ZIP 80430
ZIP 80430 scores 3.6/10 (Low risk), below the U.S. average of 4.5. The leading hazard is Avalanche.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Below-average risk — standard coverage likely adequate
Natural disaster risk here is below the US average. Standard homeowners insurance will typically be sufficient, but it is still worth reviewing exclusions for floods and earthquakes.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: ZIP 80430, Colorado
ZIP 80430 covers part of the Coalmont area, in the Great Plains. The surrounding region experiences dry air, significant mountain snowfall, and rapid weather changes, with dramatic spring snowstorms and summer hailstorms shaping the natural hazards that residents of this ZIP code face. Risk scores here are derived from FEMA data for the encompassing county.
FEMA rates ZIP 80430's composite natural disaster risk at 3.6 out of 10 — low risk. Snow avalanche exposure tops the local risk profile, with the area's mountain setting and annual snowfall loading producing regular avalanche cycles on steep slopes. Residents should also account for volcano and landslide risk in their preparedness planning.
ZIP 80430's risk score, considerably below the 5.2/10 state average and below the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are avalanche, volcano, and landslide. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
Despite its lower-than-average risk classification, ZIP 80430 is not immune to natural hazards. Basic preparedness — an emergency kit, awareness of seasonal risks, and property insurance that covers avalanche — remains prudent for all residents.
What this means for ZIP 80430: Avalanche preparedness
- Check avalanche forecasts before backcountry travel and carry a beacon, probe, and shovel.
- Be aware of slope angles and recent snow loading, which drive avalanche risk.
- Properties in runout zones may require specialized hazard assessment and insurance.
Risk for the surrounding area
Local Factors for ZIP 80430
These city-level factors differentiate ZIP 80430 from other communities in Colorado County and provide geographic context for its hazard exposure.
Population
148
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 40.5°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — limited fire-prone terrain nearby
Fire score: 3.3/10
Coordinates
40.5093° N, 106.4469° 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 80430
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
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 — consult official emergency management resources and a licensed insurer for property-specific advice.