Evergreen, CO: Wildfire & Flood Risk (80439)
80439 in Evergreen, CO: wildfire and flood risk, est. insurance $1,526–$2,480/yr, and buyer guidance before you close.
Evergreen, Colorado 80439
Data retrieved: Oct 29, 2026 at 15:06 UTC
Overall Risk
Above the national median (top 25% most at-risk)
County-level composite
Est. Annual Insurance
$1,526 – $2,480
Directional range
Premium Strain
2.28% of median income
elevated
Flood Insurance
Not required
Parcel falls outside SFHA
Insurance-first due diligence
What buyers pay for coverage in 80439
- Directional homeowners estimate: $1,526–$2,480/yr before carrier underwriting.
- Composite climate risk ranks above the national median (top 25% most at-risk) for 80439.
- Shop quotes during inspection — CO market pressure can change carrier appetite by ZIP.
Quick buyer brief
What makes 80439 different
A short, indexable summary for buyers comparing 80439 with nearby options in Evergreen.
80439 ranks above the national median (top 25% most at-risk) for overall climate risk, with the biggest current drivers being wildfire or flood.
Buyers in this ZIP should budget roughly $1,526 - $2,480/yr for homeowners insurance before carrier-specific adjustments. Flood insurance looks less likely to be mandatory, but parcel checks still matter.
If you are choosing between nearby ZIP codes, compare this page with the state overview and the nearby-ZIP links below before you write an offer.
Insurance Market Context
These scores are county-level composites derived from FEMA National Risk Index. Individual parcels may differ significantly. This is not a property appraisal.
Market Pressure
HIGH
Colorado's admitted-carrier market is contracting. A broker with state-specific experience is strongly recommended.
Admitted Market Share
66%
Carriers exiting at 6.1% YoY in Colorado.
Residual Market
$2,400–$5,200
annual · last-resort
FAIR Plan / Citizens exposure up 95% since 2020.
Premium Strain Index
Insurance is roughly 2.3% of median household income — above the 2% middle-income affordability benchmark.
Premium-to-income ratio. Based on state Department of Insurance filings, average annual premiums in this area range from $1,526 to $2,480. Not an insurance quote. The First Street 12th National Risk Assessment characterizes any ZIP above 5% as financially unsustainable.
Clear Creek County Hazard Breakdown
Scores below are from the federal National Risk Index at the county level, refined with parcel-level signals where available (FEMA NFHL for flood, USDA WHP for wildfire, USGS PGA for earthquake, NWS for heat).
Data pending
Hurricane
Low riskBottom 20% nationally (safer than most)
Earthquake
MinimalData pending
Extreme Heat
Low riskBelow the national median (safer than most)
Flood
LowTop 10% most at-risk nationally
Wildfire
ExtremeBottom 20% nationally (safer than most)
Severe Storm / Tornado
MinimalLocal Flood Risk Cost Estimator
Flood insurance costs in Evergreen, CO
In Evergreen, CO, the directional annual NFIP flood insurance premium is approximately $979 (range $600–$1,322), and the estimated average historical flood claim in Clear Creek is $46,280. Typical mapped exposure aligns with Zone X (moderate / 500-year) (county flood percentile: 40).
- NFIP premium (mid)
- $979/yr
- Monthly escrow slice
- $50–$110/mo
- Avg. paid claim
- $46,280
- Lender may require
- Often optional
Wildfire & FAIR Plan Stress Test
Wildfire insurance non-renewal risk in Evergreen, CO
In Evergreen, CO, admitted-carrier withdrawal could push coverage through state FAIR / residual market at roughly $5,208/yr — about +$3,205/yr vs. a $2,003 baseline (wildfire percentile: 94).
Non-renewal risk: severe
- Baseline premium
- $2,003/yr
- Residual market est.
- $5,208/yr
- Annual uplift
- +$3,205/yr
What each hazard means for you
Expand any card to see the federal source citation and the buyer-specific action items our research team recommends for this hazard profile.
Hurricane Risk
NRI inland hurricane / tropical-storm remnant risk: Bottom 20% nationally (safer than most) for inland wind and rain exposure (county-level, based on historical tropical cyclone tracks). Storm surge does not apply at this inland location.
FEMA · National Risk Index (HRCN)
Earthquake Risk
Bottom 20% nationally (safer than most) for earthquake exposure. USGS PGA: unavailable. Geologically stable region; earthquake is not a meaningful property risk here.
USGS · National Risk Index
Extreme Heat
Long-term heat risk: Bottom 20% nationally (safer than most) (NRI county baseline). This reflects multi-decadal extreme-heat exposure, not the current week's weather.
NOAA · National Risk Index (HWAV)
Flood Risk
County NRI flood risk: Below the national median (safer than most) for flood exposure. NFHL parcel query unavailable.
FEMA · National Risk Index
Wildfire Risk
Blended wildfire risk: Top 10% most at-risk nationally. USDA Wildfire Hazard Potential at parcel: Very High (Class 5/5). County NRI wildfire risk: Top 10% most at-risk nationally. The parcel-level USDA score moderates the county NRI signal.
USDA · WHP + National Risk Index
Severe Storm / Tornado
NRI severe-storm risk: Bottom 20% nationally (safer than most) for severe-thunderstorm, hail, straight-line wind, and tornado exposure (county-level).
FEMA · National Risk Index (TRND)
Lower-risk alternatives nearby
Communities within 25 miles of Evergreen with a measurably lower composite climate risk. Useful as a comp set when evaluating whether to negotiate on this address or pivot to a nearby one.
Denver, CO
Top 5% most at-risk nationally
24 miles away
FEMA Flood Zone
Is this specific parcel in a Special Flood Hazard Area?
The free address snapshot queries FEMA NFHL point-in-polygon and returns your exact FEMA Flood Zone (A, AE, X, etc.) in seconds.
Run a free address lookupCarrier Outlook
Colorado's admitted-carrier market is contracting. A broker with state-specific experience is strongly recommended.
Data Sources
Data Sources & Methodology
FEMA— National Risk Index
Retrieved October 29, 2026
FEMA— National Risk Index (HRCN)
Retrieved October 29, 2026
USDA— WHP + National Risk Index
Retrieved October 29, 2026
USGS— National Risk Index
Retrieved October 29, 2026
NOAA— National Risk Index (HWAV)
Retrieved October 29, 2026
FEMA— National Risk Index (TRND)
Retrieved October 29, 2026
What buyers should know
Buying in 80439: a risk primer
Before you write an offer on a home in Evergreen, understand how climate and insurance costs affect long-term ownership in 80439.
80439 in Evergreen, Colorado, scores above the national median (top 25% most at-risk) on our composite climate-risk index. That ranking reflects the combined influence of wildfire exposure (94) and flood risk (40) in this ZIP code. Before writing an offer, buyers should understand which hazard drives the score and how it shows up in insurance premiums and long-term maintenance costs.
The data below is assembled from five federal sources — FEMA (flood and National Risk Index), NOAA (storm history and heat), USGS (seismic design), and USDA (wildfire hazard potential) — and is refreshed quarterly. Use it as a starting point for due diligence, not a substitute for a licensed inspector, structural engineer, or insurance agent.
Wildfire risk in 80439
The wildfire exposure score for 80439 is 94 (extreme), which is well above the national median. 80439 sits in or adjacent to a high wildfire hazard zone. In Colorado, this affects both insurance availability and utility-side public safety power shutoff (PSPS) risk. Buyers should confirm the parcel's defensible space, roof class, and whether the neighborhood has a FireWise USA designation.
For a specific address inside 80439, this score can shift meaningfully. A home on a ridge may have lower flood exposure than one in a valley; a parcel surrounded by irrigated lawn may have lower wildfire exposure than one against open space. The $19 Risk Before Buy report resolves these parcel-level differences and includes a 30-year projection for each hazard.
Flood risk in 80439
The flood risk score for 80439 is 40 (low), which is around or slightly above the national median. Parts of 80439 carry moderate flood exposure driven by rainfall-driven ponding or nearby creek flooding. Even outside the SFHA, lenders do not require flood insurance unless the parcel is mapped in Zone A/AE, but we still recommend a flood quote before closing.
For a specific address inside 80439, this score can shift meaningfully. A home on a ridge may have lower flood exposure than one in a valley; a parcel surrounded by irrigated lawn may have lower wildfire exposure than one against open space. The $19 Risk Before Buy report resolves these parcel-level differences and includes a 30-year projection for each hazard.
Insurance is where climate risk becomes a monthly payment. In 80439, our directional estimate for a standard homeowners policy plus required hazard coverage is $1,526 – $2,480 per year. That estimate assumes a mid-range home and does not include optional coverages such as earthquake, flood (where not required), or higher wind deductibles.
Relative to local incomes, that premium range equals approximately 2.28% of the Clear Creek County median household income — a elevated premium-to-income burden. As a rule of thumb, premiums above 3–4% of household income begin to compress affordability and can reduce the pool of future buyers when you eventually sell.
Buyer action items
- Get carrier quotes early. Ask at least two admitted-market carriers and one surplus-line broker for a homeowners quote that explicitly includes wildfire exposure and flood risk. Do this before the inspection contingency expires.
- Add a climate contingency to the purchase agreement. Our free Colorado-specific contract templates let you make the deal contingent on acceptable insurance premiums, flood-zone status, or seller-provided mitigation documentation.
- Order hazard-specific inspections if the top risks warrant it. In 80439, that may mean a flood-zone determination, a wildfire/defensible-space assessment, a structural/seismic review, or a wind-mitigation inspection depending on which hazards score highest.
Frequently asked questions about 80439
Ready to underwrite 80439?
Get the full address-level report
Both tiers use verified federal data. The $19 snapshot is your pre-offer feasibility check (delivered within 5 minutes). The $99 audit adds parcel flood verification, market context, claim history, and a negotiation brief (within 24 hours).
Full Report
Tier L2
Address-level hazard and insurance feasibility snapshot — five hazards, 30-year projections, carrier pressure signals, and a buy / negotiate / walk-away read for pre-offer buyers. PDF delivered within 5 minutes.
- Five-hazard score breakdown: flood, wildfire, hurricane, earthquake, heat
- 30-year federal climate projections for heat, wildfire, and sea level rise
- Insurance premium estimate range based on state DOI filings
- Clear buy / negotiate / walk-away recommendation with plain-language reasoning
- Comparable lower-risk communities within 25 miles (up to 3 when available)
- Plain-English explanations of SFHA, BFE, residual market, and other insurance terms
- Single PDF you can share with your partner, agent, or inspector
Best for: pre-offer sanity check
Delivered: PDF by email within 5 minutes
Federal data: FEMA, USGS, NOAA, USDA, EPA
Delivered by email within 5 minutes of payment.
Pre-Purchase Audit
Tier L3
Under-contract diligence package: parcel flood zone verification, state insurance market analysis, NOAA claim history, and an evidence-backed negotiation brief to assess earnest-money risk. PDF delivered within 24 hours.
- Everything in the $19 Full Report
- Parcel-level FEMA flood zone verification (Zone A/AE/VE/X — point-in-polygon)
- State insurance market analysis: admitted carrier share, exit rate, residual market growth
- Premium Strain Index — insurance cost as % of local median income, with 2% / 5% affordability benchmarks
- 10-year NOAA Storm Events claim history for the ZIP code
- Negotiation leverage brief with specific, evidence-backed seller-concession asks (typically 3–5; fewer when data is limited)
- Total carrying cost estimate: HO-3 baseline + standalone perils + residual market fallback
- Identifies whether the property may become hard to insure before you close
- Gives you specific talking points for price, credits, and contingency negotiation
Best for: under-contract buyers
Delivered: PDF by email within 24 hours
Includes: 7-day no-questions-asked refund
Delivered by email within 24 hours of payment.
Nearby ZIP risk profiles in Clear Creek
Compare climate and insurance risk across neighboring ZIP codes before you commit to a specific address in Evergreen.
Explore 80439 in context
Indexable hub links for buyers comparing 80439 with the wider Evergreen market and Colorado insurance trends.
Colorado climate risk overview
State-wide hazard patterns and insurance context for buyers near Evergreen, CO.
Colorado buyer guides
State-wide insurance market pressure and regional hazard patterns.
High-risk area buyer checklist
Questions to ask before writing an offer in 80439.
Free contract templates for Colorado buyers
Download free climate-risk contingency addendums written for Colorado purchase agreements. Add wildfire or flood contingencies to your offer.
Browse free templates