Ready for what Colorado actually throws at you.

Colorado's hazard profile breaks rules. The Marshall Fire on December 30, 2021 — in the middle of winter — was driven by 100+ mph winds across drought-parched grass and destroyed 1,084 structures in Boulder County in hours. It was the most destructive wildfire in Colorado history and proved that fire season is no longer seasonal. The September 2013 Front Range floods dropped 15 inches in 48 hours, killed 8 people, and destroyed 200+ miles of highway across a dozen counties — $2B in damage. Colorado's mountains face avalanche risk every winter. Its eastern plains generate some of the most violent tornadoes in the country. And the Colorado River — which originates in the Rockies and supplies 40 million people downstream — is under historic stress. Altitude and terrain make every Colorado hazard more dangerous and help slower to arrive.