Climate Risk Summary

Zip Code 80014, Risk Profile

The primary drivers of climate-related financial risk in Aurora, CO (80014) are Hail, Inland Flooding, and Tornado.

Understanding the Dollars

Expected Annual Loss (EAL) is a statistical average of property damage for this entire zip code over a standard year across all properties.

  • / It represents the "average cost" rather than a guaranteed yearly bill.
  • / It can be used to compare the relative risk from different hazards and across different neighborhoods.

Primary Risks

Hail

$3,799,510

Expected Annual Loss for Zip Code 80014

98.5Score

Very High compared to US average

80014
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$2,759,953

Expected Annual Loss for Zip Code 80014

20.7Score

Relatively Low compared to US average

80014
Minimal Estimated LossMax Estimated Loss

Tornado

$1,368,563

Expected Annual Loss for Zip Code 80014

68.3Score

Relatively High compared to US average

80014
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Hail
$3,799,510
Score: 98.5
MAJOR DRIVER
Inland Flooding
$2,759,953
Score: 20.7
MAJOR DRIVER
Tornado
$1,368,563
Score: 68.3
Cold Wave
$594,371
Score: 57.6
Lightning
$258,474
Score: 79.1
Strong Wind
$233,214
Score: 62.9
Earthquake
$172,111
Score: 38.3
Heat Wave
$69,668
Score: 10.8
Winter Weather
$32,164
Score: 58.5
Wildfire
$19,534
Score: 53.9
Ice Storm
$438
Score: 1.2
Landslide
$298
Score: 43.9
Drought
$14
Score: 10.7
Volcanic Activity
$10
Score: 64.7

Recommended Mitigation Strategies

Recommended investments to protect your property value and reduce insurance liability based on your local risk profile.

🧊Medium Investment

Hail Mitigation

Replace roof with Class 4 impact-resistant shingles to significantly lower insurance premiums.

Risk Score: 98.5
💧Medium Investment

Inland Flooding Mitigation

Install a smart sump pump with battery backup and extend downspouts 10ft from foundation.

Risk Score: 20.7
🌪️High Investment

Tornado Mitigation

Reinforce garage doors and consider a FEMA-approved safe room or storm cellar.

Risk Score: 68.3

Methodology and Sources

Spatial Aggregation

Our "Atlas" risk scores are derived using a population-weighted spatial join. Because US Zip Codes and Census Tracts do not share perfectly aligned boundaries, a simple geographic average would be misleading. We utilize US Census Block Group population statistics to identify where residents actually live within a Zip Code. We then intersect these points with FEMA National Risk Index (NRI) hazard data to calculate a weighted exposure score.

Financial Projections (EAL)

Expected Annual Loss (EAL) estimates the average economic impact of natural hazards in dollars per year. This calculation incorporates three components: Exposure (the value of structures and agriculture), Annualized Frequency (historical probability), and Historic Loss Ratio (vulnerability of the area).

Primary Data Sources

  • FEMA National Risk IndexHazard frequency and loss data (v1.20.0)
  • U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Locations

Zip Code 80015Zip Code 80012Zip Code 80013Zip Code 80231Zip Code 80247Zip Code 80017