Climate Risk Summary

Vail, CO Risk Profile

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

City-Wide Aggregation

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

Primary Risks

Avalanche

$5,337,152

Expected Annual Loss for Vail

95.3Score

Relatively High compared to US average

Vail
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$4,002,117

Expected Annual Loss for Vail

90.2Score

Very High compared to US average

Vail (OUTLIER)
Minimal Estimated LossMax Estimated Loss

Hail

$56,897

Expected Annual Loss for Vail

77.2Score

Relatively High compared to US average

Vail
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Avalanche
$5,337,152
Score: 95.3
MAJOR DRIVER
Inland Flooding
$4,002,117
Score: 90.2
MAJOR DRIVER
Hail
$56,897
Score: 77.2
UNUSUALLY HIGH
Lightning
$44,185
Score: 90.7
Tornado
$34,461
Score: 38.7
Earthquake
$31,711
Score: 50.1
UNUSUALLY HIGH
Winter Weather
$16,878
Score: 90.9
UNUSUALLY HIGH
Landslide
$9,905
Score: 96.1
UNUSUALLY HIGH
Wildfire
$8,578
Score: 81.7
Strong Wind
$9,144
Score: 35.8
Ice Storm
$1,131
Score: 16.4
Cold Wave
$148
Score: 16.0
Volcanic Activity
$0
Score: 44.1

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: 95.3
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 90.2
🧊Medium Investment

Hail Mitigation

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

Risk Score: 77.2
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 90.7
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 50.1
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 90.9
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 96.1
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 81.7

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

AvonBreckenridgeCopper MountainDillonEdwards

Zip Codes in Vail

81657