Climate Risk Summary

Zip Code 80266, Risk Profile

The primary drivers of climate-related financial risk in Unincorporated, CO (80266) 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

$2,195,034

Expected Annual Loss for Zip Code 80266

98.6Score

Very High compared to US average

80266 (OUTLIER)
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$1,796,529

Expected Annual Loss for Zip Code 80266

30.2Score

Relatively Low compared to US average

80266
Minimal Estimated LossMax Estimated Loss

Tornado

$815,673

Expected Annual Loss for Zip Code 80266

70.1Score

Relatively High compared to US average

80266
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Hail
$2,195,034
Score: 98.6
MAJOR DRIVER
Inland Flooding
$1,796,529
Score: 30.2
MAJOR DRIVER
Tornado
$815,673
Score: 70.1
Earthquake
$424,335
Score: 71.7
Cold Wave
$266,762
Score: 53.9
Lightning
$118,025
Score: 76.2
Strong Wind
$112,929
Score: 60.5
Heat Wave
$31,204
Score: 8.6
Winter Weather
$15,446
Score: 56.1
Wildfire
$345
Score: 33.3
Ice Storm
$239
Score: 1.2
Landslide
$216
Score: 43.3
Drought
$8
Score: 16.7
Volcanic Activity
$4
Score: 61.1

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: 98.6
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 30.2
🌪️High Investment

Tornado Mitigation

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

Risk Score: 70.1

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 80238Zip Code 80216Zip Code 80022Zip Code 80207Zip Code 80239Zip Code 80010