Natural Disaster Risk — ZIP Code 81327
Lewis, Colorado
Risk Summary for ZIP 81327
ZIP 81327 scores 5.5/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Avalanche.
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 81327, Colorado
ZIP 81327 covers part of the Lewis 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 81327's composite natural disaster risk at 5.5 out of 10 — moderate risk. Snow avalanche exposure tops the local risk profile, with the area's mountain setting and annual snowfall loading producing regular avalanche cycles on steep slopes. Residents should also account for landslide and wildfire risk in their preparedness planning.
ZIP 81327's risk score, near 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 avalanche, landslide, and wildfire. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
With a moderate risk rating, ZIP 81327 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 avalanche is recommended.
What this means for ZIP 81327: Avalanche preparedness
- Check avalanche forecasts before backcountry travel and carry a beacon, probe, and shovel.
- Be aware of slope angles and recent snow loading, which drive avalanche risk.
- Properties in runout zones may require specialized hazard assessment and insurance.
Risk for the surrounding area
Local Factors for ZIP 81327
These city-level factors differentiate ZIP 81327 from other communities in Colorado County and provide geographic context for its hazard exposure.
Population
486
RuralGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 37.5°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
High — long dry fire season
Fire score: 9.4/10
Coordinates
37.5155° N, 108.6649° 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 81327
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.