Climate Risk Summary

Zip Code 80203, Risk Profile

The primary drivers of climate-related financial risk in Denver, CO (80203) are Inland Flooding, Hail, 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

Inland Flooding

$2,647,782

Expected Annual Loss for Zip Code 80203

24.3Score

Relatively Moderate compared to US average

80203
Minimal Estimated LossMax Estimated Loss

Hail

$2,293,757

Expected Annual Loss for Zip Code 80203

97.3Score

Very High compared to US average

80203
Minimal Estimated LossMax Estimated Loss

Tornado

$868,259

Expected Annual Loss for Zip Code 80203

60.2Score

Relatively Moderate compared to US average

80203
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$2,647,782
Score: 24.3
MAJOR DRIVER
Hail
$2,293,757
Score: 97.3
MAJOR DRIVER
Tornado
$868,259
Score: 60.2
Cold Wave
$297,292
Score: 42.5
Earthquake
$209,491
Score: 47.0
Lightning
$131,421
Score: 61.2
Strong Wind
$123,282
Score: 47.5
Heat Wave
$34,795
Score: 5.4
Winter Weather
$16,900
Score: 45.6
Landslide
$256
Score: 62.6
Ice Storm
$253
Score: 0.8
Wildfire
$206
Score: 12.6
Volcanic Activity
$5
Score: 49.9

Recommended Mitigation Strategies

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

💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 24.3
🧊Medium Investment

Hail Mitigation

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

Risk Score: 97.3
🌪️High Investment

Tornado Mitigation

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

Risk Score: 60.2

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 80218Zip Code 80204Zip Code 80202Zip Code 80264Zip Code 80223Zip Code 80290