https://www.bom.gov.au/climate/maps/averages/uv-index/?perio...
My area is similar to Sydney in your map. For Denver it’s the elevation that’s exposing them to more UV rays.
[1]https://www.epa.gov/sunsafety/sun-safety-monthly-average-uv-...
[2]https://www.reddit.com/r/MapPorn/comments/cd1t54/relative_la...
All that said: a daily mean of 13-14 is past what we’d see here—and yeah that is some serious burning.
Unfortunately, UV exposure is cumulative. So your skin is still getting damaged by the UV rays even if you're not getting burnt.
Generally, just apply sunscreen and limit prolonged sun exposure when possible (particularly when UV index is high).
Avoiding sunburns (i.e. prolonged sun exposure, particularly when skin is unprotected) is probably the main thing to focus on as I believe studies have shown there is a high correlation between getting burnt and developing skin cancer.