Colorado Springs, CO real-estate risk
Colorado Springs, CO (El Paso County) carries a FEMA National Risk Index score of 94.1/100 — rated "Relatively Moderate" — driven mainly by wildfire and hail, with roughly $213M in expected natural-hazard losses per year (FEMA NRI, 2025).
Hazard scores (0–100)
Expected annual loss
$213M/yr
all natural hazards, county-wide
Buildings-only loss
$167M/yr
the part that hits owners + insurers
What it means for insurance
Wildfire is the binding insurance line here — top-percentile wildfire risk is exactly where carriers are non-renewing and FAIR-Plan pricing (often 2–3× admitted rates) kicks in. Underwrite a real insurance quote before the cap rate.
Colorado Springs risk — FAQ
Is Colorado Springs, CO a high-risk area for real estate?
Colorado Springs scores 94.1/100 on FEMA's National Risk Index — rated "Relatively Moderate" versus all US counties. Its expected natural-hazard loss is about $213M per year.
What is the biggest natural hazard in Colorado Springs?
The highest-rated hazard is wildfire (99.3/100), followed by hail (99.1/100).
How does hazard risk affect property insurance in Colorado Springs?
Wildfire is the binding insurance line here — top-percentile wildfire risk is exactly where carriers are non-renewing and FAIR-Plan pricing (often 2–3× admitted rates) kicks in. Underwrite a real insurance quote before the cap rate.
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Source: FEMA National Risk Index (Counties), v1.20 (2026-06-13). Scores are national percentiles (0–100). Insurance commentary is PropHunt's interpretation of the hazard data, not an insurance quote.
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