Climate Risk Summary

Pueblo, CO Risk Profile

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

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$10,278,187

Expected Annual Loss for Pueblo

20.3Score

Relatively High compared to US average

Pueblo
Minimal Estimated LossMax Estimated Loss

Cold Wave

$5,093,031

Expected Annual Loss for Pueblo

77.0Score

Relatively High compared to US average

Pueblo
Minimal Estimated LossMax Estimated Loss

Lightning

$2,703,151

Expected Annual Loss for Pueblo

95.7Score

Very High compared to US average

Pueblo
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$10,278,187
Score: 20.3
MAJOR DRIVER
Cold Wave
$5,093,031
Score: 77.0
MAJOR DRIVER
Lightning
$2,703,151
Score: 95.7
UNUSUALLY HIGH
Hail
$2,966,498
Score: 88.0
Tornado
$1,658,269
Score: 46.0
UNUSUALLY HIGH
Winter Weather
$969,416
Score: 95.0
Strong Wind
$524,094
Score: 49.2
Earthquake
$432,971
Score: 31.1
Heat Wave
$310,803
Score: 14.6
Wildfire
$86,457
Score: 43.0
Ice Storm
$21,860
Score: 8.8
Drought
$2,325
Score: 6.9
Landslide
$0
Score: 9.0

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

🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 77.0
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 95.7
🧊Medium Investment

Hail Mitigation

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

Risk Score: 88.0
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 95.0

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

  • FEMA National Risk IndexHazard frequency and loss data (v1.20.0)
  • U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Cities

BlendeColorado CityColorado SpringsFort CarsonFountain

Zip Codes in Pueblo

8100181003810048100581006810078100881025