Climate Risk Summary

Fruitvale, CO Risk Profile

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

City-Wide Aggregation

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

Primary Risks

Inland Flooding

$753,093

Expected Annual Loss for Fruitvale

16.2Score

Relatively Low compared to US average

Fruitvale

Minimal Estimated LossMax Estimated Loss

Lightning

$164,281

Expected Annual Loss for Fruitvale

94.3Score

Relatively High compared to US average

Fruitvale

Minimal Estimated LossMax Estimated Loss

Earthquake

$94,983

Expected Annual Loss for Fruitvale

52.9Score

Relatively Low compared to US average

Fruitvale

Minimal Estimated LossMax Estimated Loss

City Boundary

Legend

Very Low

Low

Moderate

High

Very High

Extreme

Financial Risk Inventory

MAJOR DRIVER

Inland Flooding

$753,093

Score: 16.2

MAJOR DRIVER

Lightning

$164,281

Score: 94.3

MAJOR DRIVER

Earthquake

$94,983

Score: 52.9

Heat Wave

$35,803

Score: 18.1

Cold Wave

$20,149

Score: 22.3

Tornado

$8,933

Score: 7.5

Winter Weather

$6,235

Score: 47.2

Strong Wind

$4,481

Score: 12.4

Hail

$3,775

Score: 25.5

Ice Storm

$1,910

Score: 8.2

Wildfire

$1,605

Score: 57.7

Drought

$1,199

Score: 76.5

Landslide

Score: 44.5

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

🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 94.3

🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 52.9

🔥Low Investment

Wildfire Mitigation

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

Risk Score: 57.7

🏠Low Investment

Drought Mitigation

General property maintenance and insurance review recommended.

Risk Score: 76.5

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

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

Nearby Cities

Battlement Mesa Clifton Delta Fruita Grand Junction

Zip Codes in Fruitvale

81504 81520