Climate Risk Summary

Zip Code 80230, Risk Profile

The primary drivers of climate-related financial risk in Denver, CO (80230) 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

$1,357,083

Expected Annual Loss for Zip Code 80230

98.7Score

Very High compared to US average

80230 (OUTLIER)
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$980,613

Expected Annual Loss for Zip Code 80230

29.0Score

Relatively Moderate compared to US average

80230
Minimal Estimated LossMax Estimated Loss

Tornado

$495,136

Expected Annual Loss for Zip Code 80230

72.4Score

Relatively High compared to US average

80230
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Hail
$1,357,083
Score: 98.7
MAJOR DRIVER
Inland Flooding
$980,613
Score: 29.0
MAJOR DRIVER
Tornado
$495,136
Score: 72.4
Cold Wave
$161,180
Score: 55.1
Lightning
$71,171
Score: 77.2
Strong Wind
$68,752
Score: 62.4
Earthquake
$67,744
Score: 46.0
Heat Wave
$18,849
Score: 9.5
Winter Weather
$9,396
Score: 57.8
Landslide
$1,288
Score: 70.9
Wildfire
$781
Score: 40.8
Ice Storm
$147
Score: 1.4
Drought
$12
Score: 31.0
Volcanic Activity
$3
Score: 62.4

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: 98.7
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 29.0
🌪️High Investment

Tornado Mitigation

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

Risk Score: 72.4

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 80247Zip Code 80220Zip Code 80010Zip Code 80231Zip Code 80224Zip Code 80012