Natural Disaster Risk — ZIP Code 81076
Sugar City, Colorado
Risk Summary for ZIP 81076
ZIP 81076 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 81076, Colorado
Located in the Great Plains, ZIP 81076 serves the Sugar City 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 81076's overall natural disaster risk is rated 4.1/10 (Moderate) by FEMA's National Risk Index. Fire risk is the leading concern in the area, where seasonal drought and combustible vegetation combine to create a high-risk wildfire environment. Secondary hazards include hail and tsunami.
Relative to other U.S. communities, ZIP 81076's natural disaster risk is near the U.S. national average of 4.5/10, slightly below the 5.2/10 state average. The hazard distribution here is led by wildfire and hail, as measured by FEMA across Colorado. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
ZIP 81076'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 wildfire exposure is adequately protected is a worthwhile step for property owners.
What this means for ZIP 81076: Wildfire preparedness
- Use fire-resistant roofing and screen vents to block ember intrusion, the leading cause of home ignition.
- 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.
Risk for the surrounding area
Local Factors for ZIP 81076
These city-level factors differentiate ZIP 81076 from other communities in Colorado County and provide geographic context for its hazard exposure.
Population
602
RuralGeographic 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
38.3234° N, 103.6167° 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 81076
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.