US5.com
  1. Home
  2. States
  3. Colorado
  4. ZIP 81040
  5. Climate & Environment
Gardner CDP, CO

ZIP 81040 — Climate & Environment

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Low Snow Area

Climate, disaster risk, air quality, and environmental safety

Environment & Risk in ZIP Code 81040

Disaster Risk (FEMA NRI)

County-linked natural hazard risk from FEMA National Risk Index — useful for comparing insurance and disaster exposure.

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.

Overall rating
Very Low
Risk index
24.2
Flood risk
47.9
Wildfire risk
87.6
Earthquake risk
26.1
Tornado risk
11.7
Winter weather risk
65.3
Hail risk
46.9

Climate & Weather in ZIP Code 81040

Climate normals for Gardner CDP, CO show little to no average snow and around 13.6 inches of annual precipitation. Pair that with FEMA NRI hazard context (overall rating Very Low) when evaluating long-term housing and insurance exposure.

7-day weather forecast

Loading live forecast…

Sunrise, sunset & moon

Loading outdoor timing for Gardner CDP, CO (ZIP 81040)…

Monthly Temperature

30-year climate normals (avg. monthly temperature)

Climate Data
Hardiness Zone
6a
Annual Snow Days
0
Annual Precipitation
13.64 in
FEMA NRI rating
Very Low

Climate & Environment key statistics

Climate statistics
Climate
Hardiness zone6a
Annual precip (in)13.64
Snow days0
Broadband access67.8%
Risk & Air Quality statistics
Risk & Air Quality
NRI ratingVery Low
NRI risk index24.2
Flood risk (NRI)47.9
Wildfire risk (NRI)87.6
IRS net migration15