ZIP Code 81040 — Gardner CDP, CO Demographics & Data

ZIP code 81040 covers Gardner, CO in Huerfano County with a population of about 328.

At a glance, the area shows median age of 65.2 versus a U.S. median of about 38.9.

It sits in telephone area code 719; U.S. House district CO-3; the COLORADO SPRINGS - PUEBLO media market.

Gardner, CO is tagged as a Tribal Nation community context (place names indicate a tribal nation community). Local search often includes tribal government offices, public safety, and Indian Health Service (IHS) / wellness topics alongside standard ZIP demographics.

On socioeconomic markers, US5 shows a poverty rate of 14.0%; unemployment rate near 0.0%; 28.7% of adults with a bachelor’s degree or higher (about 5.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Professional services, and Agriculture; about 11.2% of workers reporting work-from-home (about 4.0 points below the U.S. share (15.2%)); a mean commute of about 79.0 minutes (U.S. average near 26.8).

Housing tenure and rents show owner-occupancy near 92.4% (about 27.0 points above the national owner-occupancy rate (65.4%)).

FEMA’s National Risk Index rates natural-hazard risk for Gardner CDP, CO as Very Low (composite score 24.2), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (87.6) and flood (47.9). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Gardner CDP, CO show little to no average snow and around 13.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 15 for ZIP 81040 (Gardner CDP, CO) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.