Climate Risk Summary

Kremmling, CO Risk Profile

The primary drivers of climate-related financial risk in Kremmling, CO are Avalanche, Inland Flooding, and Lightning. This area also faces an unusually high intensity for Hail, Landslide, Drought, and Wildfire compared to national averages.

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in Kremmling.

Primary Risks

Avalanche

$2,338,380

Expected Annual Loss for Kremmling

93.0Score

Relatively High compared to US average

Kremmling
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$987,858

Expected Annual Loss for Kremmling

91.1Score

Relatively High compared to US average

Kremmling
Minimal Estimated LossMax Estimated Loss

Lightning

$98,981

Expected Annual Loss for Kremmling

99.5Score

Very High compared to US average

Kremmling (OUTLIER)
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Avalanche
$2,338,380
Score: 93.0
MAJOR DRIVER
Inland Flooding
$987,858
Score: 91.1
MAJOR DRIVER
Lightning
$98,981
Score: 99.5
UNUSUALLY HIGH
Hail
$45,871
Score: 88.1
Earthquake
$37,463
Score: 65.8
UNUSUALLY HIGH
Landslide
$28,747
Score: 99.3
Tornado
$11,405
Score: 30.9
UNUSUALLY HIGH
Drought
$9,912
Score: 89.8
Strong Wind
$9,650
Score: 48.9
UNUSUALLY HIGH
Wildfire
$9,348
Score: 86.5
Winter Weather
$3,548
Score: 70.1
Cold Wave
$1,531
Score: 18.5
Ice Storm
$1,358
Score: 30.1
Volcanic Activity
$0
Score: 49.9

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

🏠Low Investment

Avalanche Mitigation

General property maintenance and insurance review recommended.

Risk Score: 93.0
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 91.1
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 99.5
🧊Medium Investment

Hail Mitigation

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

Risk Score: 88.1
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 65.8
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 99.3
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 89.8
🔥Low Investment

Wildfire Mitigation

Create a 5ft 'non-combustible' zone around your home using gravel or pavers instead of mulch.

Risk Score: 86.5
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 70.1

Sources and Methodology

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

Nearby Cities

AvonCopper MountainDillonEdwardsFrisco

Zip Codes in Kremmling

80459