Natural Disaster Risk β ZIP Code 80651
Platteville, Colorado
Risk Summary for ZIP 80651
ZIP 80651 scores 7.4/10 (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
π 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 80651, Colorado
ZIP 80651 in Platteville 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 80651 carries an overall risk score of 7.4/10, placing it in the high category. Large hail is the dominant natural hazard, with supercell thunderstorms regularly producing damaging hailstones capable of destroying crops, vehicles, and roofs. The area also faces notable exposure to cold wave and volcano.
Within Colorado, ZIP 80651's risk is, considerably above the 5.2/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of Colorado identifies hail as the foremost hazard, followed by cold wave and volcano. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a high natural disaster risk rating, ZIP 80651 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 80651: Hail preparedness
- 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.
- Park vehicles under cover when severe storms are forecast to avoid costly hail damage.
Risk for the surrounding area
Local Factors for ZIP 80651
These city-level factors differentiate ZIP 80651 from other communities in Colorado County and provide geographic context for its hazard exposure.
Population
4,837
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 40.2Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
High β long dry fire season
Fire score: 8.9/10
Coordinates
40.2372Β° N, 104.8141Β° 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 80651
Last 12 months Β· 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 1β10 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.