Climate Risk Summary

Zip Code 80863, Risk Profile

The primary drivers of climate-related financial risk in Woodland Park, CO (80863) are Wildfire, Inland Flooding, and Hail. This area also faces an unusually high intensity for Lightning, Winter Weather, and Landslide compared to national averages.

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

Wildfire

$4,302,681

Expected Annual Loss for Zip Code 80863

99.0Score

Very High compared to US average

80863 (OUTLIER)
Minimal Estimated LossMax Estimated Loss

Inland Flooding

$1,246,578

Expected Annual Loss for Zip Code 80863

22.9Score

Relatively Low compared to US average

80863
Minimal Estimated LossMax Estimated Loss

Hail

$598,304

Expected Annual Loss for Zip Code 80863

94.7Score

Relatively High compared to US average

80863
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Wildfire
$4,302,681
Score: 99.0
MAJOR DRIVER
Inland Flooding
$1,246,578
Score: 22.9
MAJOR DRIVER
Hail
$598,304
Score: 94.7
UNUSUALLY HIGH
Lightning
$556,629
Score: 99.2
Tornado
$384,204
Score: 59.7
UNUSUALLY HIGH
Winter Weather
$104,724
Score: 95.5
Strong Wind
$83,795
Score: 58.5
Earthquake
$23,416
Score: 20.4
Cold Wave
$20,969
Score: 21.2
UNUSUALLY HIGH
Landslide
$12,654
Score: 89.2
Ice Storm
$2,750
Score: 9.0
Volcanic Activity
$3
Score: 54.0

Recommended Mitigation Strategies

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

🔥Low Investment

Wildfire Mitigation

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

Risk Score: 99.0
💧Medium Investment

Inland Flooding Mitigation

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

Risk Score: 22.9
🧊Medium Investment

Hail Mitigation

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

Risk Score: 94.7
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 99.2
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 95.5
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 89.2

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 80921Zip Code 80814Zip Code 80132Zip Code 80819Zip Code 80135Zip Code 80118