Natural Disaster Risk
Mountain Village, CO
2026 Risk Report · FEMA · NOAA · USGS
Risk Score Overview— Mountain Village
🌊 Flood Risk — Mountain Village
Mountain Village has a flood risk score of 31/100, classified as Low. This score is derived from FEMA's National Flood Insurance Program (NFIP) claims data, flood zone designations, and NOAA precipitation records.
🌪️ Tornado Risk — Mountain Village
Tornado risk score: 42/100 — Moderate. Based on NOAA Storm Events Database historical tornado tracks and frequency data.
⚡ Earthquake Risk — Mountain Village
Earthquake risk score: 35/100 — Low. Based on USGS National Seismic Hazard Model and historical seismic event data for this region.
🔥 Wildfire Risk — Mountain Village
Wildfire risk score: 72/100 — High. Based on USDA Forest Service wildfire risk data and historical fire perimeter records.
💰 What This Means for Home Insurance in Mountain Village
Standard homeowners policies do not cover flood damage. Properties in FEMA flood zones may be required to purchase NFIP coverage.
Earthquake damage is excluded from standard homeowners policies. A separate earthquake rider or policy is required.
Homeowners insurance typically covers wind and fire damage, but high-risk areas may see coverage restrictions or surcharges. Review your policy limits.
📍 Nearby Cities in Colorado
❓ Frequently Asked Questions — Mountain Village
Is Mountain Village in a flood zone?
Mountain Village has a flood risk score of 31/100, classified as Low. Check the FEMA Flood Map Service Center for specific parcel-level flood zone designations.
Does Mountain Village get tornadoes?
Mountain Village has a tornado risk score of 42/100. This area has experienced tornadoes historically and residents should have a preparedness plan.
What is the earthquake risk in Mountain Village?
Mountain Village has an earthquake risk score of 35/100 (Low), based on USGS seismic hazard assessments and historical earthquake data.
Is Mountain Village at risk for wildfires?
Mountain Village's wildfire risk score is 72/100 (High), reflecting proximity to wildland-urban interface areas and historical fire perimeter data.
How does natural disaster risk affect home insurance in Mountain Village?
Areas with higher risk scores typically see higher home insurance premiums. Standard homeowners insurance does not cover floods — a separate NFIP or private flood policy is required. Earthquake damage also requires a separate rider or policy. Check with a local insurance agent for coverage recommendations specific to Mountain Village.