Natural Disaster Risk — ZIP Code 80728
Fleming, Colorado
Risk Summary for ZIP 80728
ZIP 80728 scores 6.2/10 (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
🏠 What this means for insurance
Above-average risk — 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 80728, Colorado
Located in the Great Plains, ZIP 80728 serves the Fleming community. The semi-arid continental climate of this part of Colorado — bringing dry air, significant mountain snowfall, and rapid weather changes — directly shapes the hazard exposure for properties in this postal area.
ZIP 80728's overall natural disaster risk is rated 6.2/10 (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 wind and drought.
Relative to other U.S. communities, ZIP 80728's natural disaster risk is above the U.S. national average of 4.5/10, slightly above the 5.2/10 state average. The hazard distribution here is led by hail and wind, as measured by FEMA across Colorado. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
ZIP 80728's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.
What this means for ZIP 80728: 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 80728
These city-level factors differentiate ZIP 80728 from other communities in Colorado County and provide geographic context for its hazard exposure.
Population
1,029
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 40.6°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — summer fire risk
Fire score: 6.8/10
Coordinates
40.6400° N, 102.8728° 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 80728
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.