Climate Risk Summary

Denver, CO Risk Profile

The primary drivers of climate-related financial risk in Denver, CO are Inland Flooding, Hail, and Tornado.

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$93,684,540

Expected Annual Loss for Denver

36.1Score

Relatively High compared to US average

Denver
Minimal Estimated LossMax Estimated Loss

Hail

$72,590,949

Expected Annual Loss for Denver

97.7Score

Very High compared to US average

Denver
Minimal Estimated LossMax Estimated Loss

Tornado

$28,082,243

Expected Annual Loss for Denver

66.8Score

Very High compared to US average

Denver
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$93,684,540
Score: 36.1
MAJOR DRIVER
Hail
$72,590,949
Score: 97.7
MAJOR DRIVER
Tornado
$28,082,243
Score: 66.8
Cold Wave
$10,085,954
Score: 52.8
Earthquake
$7,369,152
Score: 49.6
Lightning
$4,468,829
Score: 73.4
Strong Wind
$4,098,444
Score: 57.7
Heat Wave
$1,183,486
Score: 9.4
Winter Weather
$565,660
Score: 54.4
Wildfire
$105,314
Score: 28.3
Landslide
$48,637
Score: 72.2
Ice Storm
$8,886
Score: 1.1
Drought
$6,925
Score: 10.5
Volcanic Activity
$170
Score: 59.9

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: 97.7
🌪️High Investment

Tornado Mitigation

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

Risk Score: 66.8
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 52.8
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 73.4
💨Low Investment

Strong Wind Mitigation

Trim large trees back from the roofline and reinforce roof-to-wall connectors (hurricane straps).

Risk Score: 57.7
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 54.4
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 72.2
🏠Low Investment

Volcanic Activity Mitigation

General property maintenance and insurance review recommended.

Risk Score: 59.9

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

AuroraCommerce CityDerbyFour Square MileGlendale

Zip Codes in Denver

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