Risk Index · El Paso County · 2026-06-13
Colorado Springs, CO real-estate risk
- Risk score
- 94.1/100
- Relatively Moderate
- Expected annual loss
- $213M
- all hazards, county-wide
- Buildings-only loss
- $167M
- what owners and insurers carry
- Population
- 730K
- El Paso County
Colorado Springs, CO (El Paso County) carries a FEMA National Risk Index score of 94.1/100, rated "Relatively Moderate" and driven mainly by wildfire and hail, with roughly $213M in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Wildfire99.3
- Hail99.1
- Tornado96.8
- Riverine flood95
- Strong wind90.2
- Heat wave77.7
- Earthquake75.1
- Drought44.4
Each score is the county's percentile against every US county for that hazard (0-100).
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 questions
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.
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.