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Claim or joinHOA · Est. 6 units · Ridgway, 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 · 30th percentile of CO counties
10 federal disaster declarations for this county, most recent Sep 2026.
For context, not a safety rating.
Public record · Federal hazard-risk index, federal disaster declarations
Participates in the federal flood insurance program · RIDGWAY, TOWN OF
Reference only; flood-insurance requirements depend on your specific flood zone and lender.
Public record · Federal flood program records
Annual change in ZIP 81432
2020 +4.6% · 2021 +13.6% · 2022 +21.3% · 2023 +16.0% · 2024 +11.7% · 2025 -5.2%
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 Ouray County: Flood, Jul 16, 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 Ouray 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 81432 · 2022
Average premium changed +12.7% 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 Western Hills Subdivision Homeowners Association
Principal address · Legal name · Type
Public record
Units · 2 linked public records
Low confidence: self-declared filing or parcel proxy, withheld from public surfaces
Geocoded from the address on file
Map location
Geocoded 2026-07-05
Names are shown in title case for readability. The string above is the name on file, unchanged.
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