Climate Risk Summary

Gunnison, CO Risk Profile

The primary drivers of climate-related financial risk in Gunnison, CO are Inland Flooding, Lightning, and Earthquake.

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$1,858,330

Expected Annual Loss for Gunnison

59.1Score

Relatively High compared to US average

Gunnison
Minimal Estimated LossMax Estimated Loss

Lightning

$175,161

Expected Annual Loss for Gunnison

97.2Score

Very High compared to US average

Gunnison
Minimal Estimated LossMax Estimated Loss

Earthquake

$91,664

Expected Annual Loss for Gunnison

59.3Score

Relatively Low compared to US average

Gunnison
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$1,858,330
Score: 59.1
MAJOR DRIVER
Lightning
$175,161
Score: 97.2
MAJOR DRIVER
Earthquake
$91,664
Score: 59.3
Tornado
$11,736
Score: 15.0
Strong Wind
$9,728
Score: 23.1
Winter Weather
$8,776
Score: 63.1
Hail
$2,865
Score: 26.1
Cold Wave
$2,572
Score: 17.1
Ice Storm
$1,693
Score: 11.2
Wildfire
$1,031
Score: 60.5
Landslide
$4
Score: 47.1

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: 59.1
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 97.2
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 59.3
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 63.1
🔥Low Investment

Wildfire Mitigation

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

Risk Score: 60.5

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

AspenBasaltBuena VistaCarbondaleEl Jebel

Zip Codes in Gunnison

81230