Natural Disaster Risk — ZIP Code 80454
Indian Hills, Colorado
Risk Summary for ZIP 80454
ZIP 80454 scores 8.0/10 (Very High risk), above the U.S. average of 4.5. The leading hazard is Hail.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
High-risk area — review your coverage carefully
Properties in very high-risk areas often require specialized coverage that standard homeowners policies do not include. Consider flood insurance through the NFIP, wildfire-specific endorsements, or earthquake riders depending on your top hazards. Premiums in these areas can be significantly higher than average.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: ZIP 80454, Colorado
ZIP 80454 covers part of the Indian Hills 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 80454's composite natural disaster risk at 8.0 out of 10 — very high risk. Hailstorm risk tops the local hazard profile, driven by frequent severe thunderstorm development that produces some of the most property-damaging hail in the country. Residents should also account for lightning and wildfire risk in their preparedness planning.
ZIP 80454's risk score, considerably above the 5.2/10 state average and well above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are hail, lightning, and wildfire. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
The very high risk environment in ZIP 80454 warrants proactive steps beyond standard preparedness. Review property insurance annually to ensure it covers the area's primary hazards, including hail. Establish a household emergency plan and keep supplies stocked, as the region's risk profile may require rapid response.
What this means for ZIP 80454: Hail preparedness
- Impact-resistant (Class 4) roofing can reduce hail damage and may lower insurance premiums.
- 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.
Risk for the surrounding area
Local Factors for ZIP 80454
These city-level factors differentiate ZIP 80454 from other communities in Colorado County and provide geographic context for its hazard exposure.
Population
986
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 39.6°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
High — long dry fire season
Fire score: 10.0/10
Coordinates
39.6311° N, 105.2520° 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 80454
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.