Climate Risk Summary

Monte Vista, CO Risk Profile

The primary drivers of climate-related financial risk in Monte Vista, CO are Inland Flooding, Cold Wave, and Lightning. This area also faces an unusually high intensity for Earthquake, Drought, and Winter Weather compared to national averages.

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$411,954

Expected Annual Loss for Monte Vista

84.0Score

Relatively High compared to US average

Monte Vista
Minimal Estimated LossMax Estimated Loss

Cold Wave

$125,262

Expected Annual Loss for Monte Vista

92.6Score

Relatively High compared to US average

Monte Vista
Minimal Estimated LossMax Estimated Loss

Lightning

$109,623

Expected Annual Loss for Monte Vista

99.9Score

Very High compared to US average

Monte Vista (OUTLIER)
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$411,954
Score: 84.0
MAJOR DRIVER
Cold Wave
$125,262
Score: 92.6
MAJOR DRIVER
Lightning
$109,623
Score: 99.9
UNUSUALLY HIGH
Earthquake
$92,346
Score: 82.6
UNUSUALLY HIGH
Drought
$26,961
Score: 95.2
Tornado
$12,666
Score: 40.9
Heat Wave
$5,379
Score: 23.2
UNUSUALLY HIGH
Winter Weather
$5,134
Score: 89.4
Hail
$2,366
Score: 50.2
Strong Wind
$1,527
Score: 21.8
Ice Storm
$733
Score: 29.6
Wildfire
$579
Score: 72.0
Landslide
$0
Score: 36.4

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: 84.0
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 92.6
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 99.9
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 82.6
🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 95.2
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 89.4
🧊Medium Investment

Hail Mitigation

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

Risk Score: 50.2
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 72.0

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

AlamosaAlamosa EastCenterDel NorteMaysville

Zip Codes in Monte Vista

81144