Hunt & Live

Larimer County, CO

366,778 residents · 2,596 sq mi · 141.3/sq mi · 10% rural

Climate
42.8°F
20.5" rain/yr
Water
humid
Aridity index 1.18
Hardiness
Zone 7a
Winter low ~4.7°F

About Larimer County

Larimer County is a county located in the U.S. state of Colorado. As of the 2020 census, the population was 359,066. The county seat and most populous city is Fort Collins. The county was named for William Larimer, Jr., the founder of Denver. Larimer County comprises the Fort Collins–Loveland metropolitan area. The county is located at the northern end of the Front Range, at the edge of the Colorado Eastern Plains along the border with Wyoming.

43
Prepper Suitability
worsebetter
National rank: #1966 of 3,109
Locator map
Location within the continental US

Prepper Assessment

Living in this area offers a mix of suburban and rural environments, with 10% of the population classified as rural. The climate features an annual mean temperature of 42.8°F and an average of 20.5 inches of rainfall per year, supporting a growing season suitable for USDA zone 7a. However, the terrain can be challenging, with risks of lightning, hail, and wildfires, which may complicate self-sufficient living.

The county faces significant natural hazards, particularly with a FEMA disaster percentile of 90, indicating a higher risk of severe weather events. Lightning, hail, and winter weather rank highly, which could impact agricultural activities. Additionally, the median home price of $488,300 may present a barrier for those seeking affordable homesteading opportunities, while the population density at 141.3 people per square mile suggests a moderately populated area.

This county may suit homesteaders who can manage the risks associated with severe weather and who have the financial means to invest in property. Those who thrive in a suburban setting with access to urban amenities might find it appealing. However, individuals seeking a remote, low-cost homesteading experience may find the housing market and natural hazards to be dealbreakers.

AI-generated analysis based on county data (climate, hazards, density, housing, economy). For general orientation only.

Key Facts

Ranked #2,446 nationally
Out of 3,109 CONUS counties for composite prepper suitability.
#54 of 64 in CO
Ranked #54 of 64 counties statewide for prepper suitability.
Dominant hazard: lightning
FEMA ranks lightning risk at 99/100 here — the leading natural threat.
Urban: 141/sqmi
Densely populated at 141 people per square mile.
Climate profile
Classified as humid with a 42.8°F annual mean and 20.5" of annual precipitation. USDA hardiness zone 7a.
Housing & taxes
Median home value $488,300.

Score Breakdown

Violence
2
percentile (lower = safer)
Disasters
90
percentile (lower = safer)
Density
77
percentile (lower = emptier)
Overall FEMA Risk
90.1
NRI composite (0-100)

Natural Hazard Profile (FEMA NRI)

Avalanche 92
Cold Wave 95
Drought 47
Earthquake 81
Hail 98
Heat Wave 59
Riverine Flood 89
Ice Storm 51
Landslide 97
Lightning 99
Strong Wind 88
Tornado 91
Volcano 63
Wildfire 98
Winter Weather 98

Monthly Climate (1991–2020 normals)

Average temperature
JFMAMJ JASOND
Monthly precipitation (inches)
JFMAMJ JASOND
Summer high
79°F
Winter low
14.7°F
Heating degree days
8,168
Cooling degree days
87

Housing & Economy

Median home value
$488,300
Median HH income
$87,199
Price to income
5.6×
Property tax rate
0.52%
~$2,527/yr median

Community Profile

Median age
36.3
Homeownership
64.5%
Poverty rate
11.4%
Unemployment
4.5%

Connectivity

Broadband households
80.6%
No internet access
4.2%

Explore Larimer County Further

Similar Counties

Data sources. Prepper scores are national percentile ranks of firearm fatalities (County Health Rankings 2024 / CDC WONDER), FEMA National Risk Index 2023 composite disaster score, and population density (ACS 2022 + TIGER 2022 land area). Climate from NOAA nClimDiv 1991–2020 normals. Hardiness zone is estimated from climate data and may differ from the official USDA PHZM. Demographics and housing from Census ACS 5-year 2022. All scores are for comparison purposes only and do not constitute advice about where to live.