Aguilar, CO
How exposed is Aguilar to wildfire?
Aguilar sits at the 92nd percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 524 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Aguilar at the 88th percentile, close to its 92nd-percentile risk score.
Aguilar's building exposure, zone by zone
524 buildings are counted in Aguilar, and 79% of them are Indirect exposure — ember-driven risk rather than the 21% in Direct exposure or the 0% rated Minimal.
Where Aguilar ranks
Aguilar's risk sits at a similar level relative to Colorado (79th percentile statewide) as it does nationally (92nd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Aguilar ranks 2,451 for wildfire risk (1 is highest) and 16,958 by building count (1 is largest). Within Colorado alone, it ranks 97 of 472 places by risk. See the full county-by-county picture for Colorado on its state page.
What this risk score means for insurance
At the 92nd percentile nationally, Aguilar carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
Aguilar's 79% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Aguilar's figures come from
Aguilar's 92nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Aguilar's dominant indirect exposure actually means, with real examples from across the dataset.