🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 82061

Horse Creek, Wyoming

6.9out of 10
High Risk

Risk Summary for ZIP 82061

ZIP 82061 scores 6.9/10 (High risk), above the U.S. average of 4.5. The leading hazard is Winter Weather.

Top Hazards

Winter Weather Cold Wave Hail

All 18 Hazard Scores

Winter Weather
9.7
Cold Wave
9.4
Wildfire
9.3
Hail
9.3
Ice Storm
9.3
Tornado
9.0
Lightning
9.0
Avalanche
8.1
Strong Wind
7.5
Earthquake
7.4
Tsunami
5.4
Volcanic Activity
5.1
Landslide
5.0
Coastal Flooding
4.9
Drought
3.7
Extreme Heat
3.0
Hurricane
2.4
Riverine Flooding
1.0

How it compares

ZIP 82061
6.9
Wyoming avg.
5.3
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” 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 82061, Wyoming

ZIP 82061 in Horse Creek sits in the Great Plains. Its semi-arid climate produces high winds, cold winters, and significant snowfall at elevation, and notably blizzards and rapid weather changes. These conditions define the natural disaster environment for households across this ZIP code.

According to FEMA's National Risk Index, ZIP 82061 carries an overall risk score of 6.9/10, placing it in the high category. Winter weather is the dominant natural hazard, with the area facing heavy snowfall, ice accumulation, and bitter cold that can immobilize infrastructure and create dangerous travel conditions. The area also faces notable exposure to cold wave and hail.

Within Wyoming, ZIP 82061's risk is, considerably above the 5.3/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of Wyoming identifies winter as the foremost hazard, followed by cold wave and hail. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

ZIP 82061'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 82061: Winter Weather preparedness

  • Clear roof snow loads when heavy to prevent structural strain and ice dams.
  • Insulate pipes and keep a backup heat source to prevent freezing during extended cold.
  • Maintain an emergency kit in your vehicle and home for snow- or ice-related power outages.

Risk for the surrounding area

Local Factors for ZIP 82061

These city-level factors differentiate ZIP 82061 from other communities in Wyoming County and provide geographic context for its hazard exposure.

Population

N/A

Rural

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 41.4Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

High β€” long dry fire season

Fire score: 9.3/10

Coordinates

41.4379Β° N, 105.1549Β° 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 82061

Last 12 months Β· Source: Open-Meteo archive

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Nearby ZIP codes

Other cities in Wyoming

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 β€” consult official emergency management resources and a licensed insurer for property-specific advice.