Natural Disaster Risk — ZIP Code 81222
Coaldale, Colorado
Risk Summary for ZIP 81222
ZIP 81222 scores 6.1/10 (High risk), above the U.S. average of 4.5. The leading hazard is Lightning.
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 81222, Colorado
ZIP 81222 covers part of the Coaldale area, in the Great Plains. The surrounding region experiences dry air, significant mountain snowfall, and rapid weather changes, with dramatic spring snowstorms and summer hailstorms shaping the natural hazards that residents of this ZIP code face. Risk scores here are derived from FEMA data for the encompassing county.
FEMA rates ZIP 81222's composite natural disaster risk at 6.1 out of 10 — high risk. High lightning activity is the primary natural hazard concern, driven by frequent severe thunderstorm development that produces dense ground strike patterns across the area. Residents should also account for volcano and wildfire risk in their preparedness planning.
ZIP 81222's risk score, slightly above the 5.2/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA, the highest-scoring are lightning, volcano, and wildfire. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
ZIP 81222'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 81222: Lightning preparedness
- Install whole-home surge protection to shield electronics from strike-related power surges.
- Follow the "when thunder roars, go indoors" rule and wait 30 minutes after the last thunder.
- Avoid plumbing and corded electronics during active thunderstorms.
Risk for the surrounding area
Local Factors for ZIP 81222
These city-level factors differentiate ZIP 81222 from other communities in Colorado County and provide geographic context for its hazard exposure.
Population
538
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 38.4°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
High — long dry fire season
Fire score: 9.5/10
Coordinates
38.3549° N, 105.8161° 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 81222
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.