Natural Disaster Risk — ZIP Code 80828

Natural Hazard Profile: ZIP 80828, Colorado

ZIP 80828 in Limon 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 80828 carries an overall risk score of 4.1/10, placing it in the moderate 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 drought and wildfire.

Within Colorado, ZIP 80828's risk is, slightly below 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 hail as the foremost hazard, followed by drought and wildfire. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 80828's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that hail exposure is adequately protected is a worthwhile step for property owners.