Natural Disaster Risk — ZIP Code 81062
Olney Springs, Colorado
Risk Summary for ZIP 81062
ZIP 81062 scores 4.1/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Wildfire.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — 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 81062, Colorado
ZIP 81062 in Olney Springs 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 81062 carries an overall risk score of 4.1/10, placing it in the moderate category. Wildfire is the primary natural hazard, driven by dry seasonal conditions, fire-prone vegetation, and the wind patterns that can spread flames rapidly across the landscape. The area also faces notable exposure to hail and tsunami.
Within Colorado, ZIP 81062'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 wildfire as the foremost hazard, followed by hail and tsunami. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a moderate risk rating, ZIP 81062 residents are well-served by maintaining standard preparedness practices — an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for wildfire is recommended.
What this means for ZIP 81062: Wildfire preparedness
- Prepare a go-bag and evacuation plan; wildfires can move faster than expected when winds pick up.
- Create defensible space by clearing flammable vegetation within 30–100 feet of structures.
- Use fire-resistant roofing and screen vents to block ember intrusion, the leading cause of home ignition.
Risk for the surrounding area
Local Factors for ZIP 81062
These city-level factors differentiate ZIP 81062 from other communities in Colorado County and provide geographic context for its hazard exposure.
Population
2,000
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 38.3°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — summer fire risk
Fire score: 6.7/10
Coordinates
38.2934° N, 103.9500° 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 81062
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.