🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 80438

Empire, Colorado

5.0out of 10
Moderate Risk

Risk Summary for ZIP 80438

ZIP 80438 scores 5.0/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Avalanche.

Top Hazards

Avalanche Wildfire Volcanic Activity

All 18 Hazard Scores

Avalanche
10.0
Wildfire
9.5
Volcanic Activity
9.4
Landslide
9.0
Hail
7.8
Lightning
7.2
Tsunami
5.4
Coastal Flooding
4.9
Winter Weather
4.1
Earthquake
3.5
Tornado
2.9
Ice Storm
2.6
Hurricane
2.4
Strong Wind
2.2
Drought
1.7
Cold Wave
1.6
Extreme Heat
1.2
Riverine Flooding
1.0

How it compares

ZIP 80438
5.0
Colorado avg.
5.2
US national avg.
4.5

Live Conditions

Checking live alerts…

🏠 What this means for insurance

Average risk β€” 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: ZIP 80438, Colorado

ZIP 80438 in Empire sits in the Great Plains. Its semi-arid continental climate produces dry air, significant mountain snowfall, and rapid weather changes, and notably dramatic spring snowstorms and summer hailstorms. These conditions define the natural disaster environment for households across this ZIP code.

According to FEMA's National Risk Index, ZIP 80438 carries an overall risk score of 5.0/10, placing it in the moderate category. Avalanche risk is the dominant natural hazard, with steep mountain terrain and heavy seasonal snowpack creating conditions for dangerous snow slides in and around the area. The area also faces notable exposure to wildfire and volcano.

Within Colorado, ZIP 80438's risk is, near the 5.2/10 state average. Nationally, it ranks near the U.S. national average of 4.5/10. FEMA's analysis of Colorado identifies avalanche as the foremost hazard, followed by wildfire and volcano. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

With a moderate risk rating, ZIP 80438 residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for avalanche is recommended.

What this means for ZIP 80438: Avalanche preparedness

  • Properties in runout zones may require specialized hazard assessment and insurance.
  • 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.

Risk for the surrounding area

Local Factors for ZIP 80438

These city-level factors differentiate ZIP 80438 from other communities in Colorado County and provide geographic context for its hazard exposure.

Population

970

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 39.8Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

High β€” long dry fire season

Fire score: 9.5/10

Coordinates

39.7602Β° N, 105.7836Β° 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 80438

Last 12 months Β· Source: Open-Meteo archive

Loading climate data…

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.