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Claim or joinHOA · Est. 28 units · Lake City, CO
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A starting point for diligence, not a safety or compliance rating. Full flood, structural, and hazard detail is below.
Public record · Federal hazard-risk index, federal flood-hazard maps
Very Low composite risk for this county · 0th percentile of CO counties
8 federal disaster declarations for this county, most recent Mar 2020.
For context, not a safety rating.
Public record · Federal hazard-risk index, federal disaster declarations
Annual change in ZIP 81235
2020 -2.8% · 2021 +8.0% · 2022 +22.4%
Area price appreciation for context, not an appraisal of this association or any unit. Its publisher labels the index developmental: it is built from conforming-mortgage data, and small housing markets are suppressed.
Public record · Federal house-price index · as of Mar 2026
Most recent significant event in Hinsdale County: Flash flood, Aug 3, 2022.
County-level weather records from the federal storm-event database, for context. Each event is logged for a whole county or forecast zone, not for individual properties, so counts and damage estimates describe Hinsdale County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
Common Elements directory
Homeowners insurance in ZIP 81235 · 2022
Average premium changed +19.6% across the filed window (2018 to 2022).
ZIP-area averages from federal filings, not a quote for this building. Your rate depends on the building's construction, claims history, and coverage.
Public record · Federal homeowners-insurance filings · as of 2018 to 2022
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Cross-referenced public records
On file as Vickers Horse River Ranch Property Owners Association
Principal address · Legal name · Type
Public record
Units · 1 linked public record
Low confidence: self-declared filing or parcel proxy, withheld from public surfaces
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