Alma, CO
Alma, CO's wildfire risk, in USFS's own numbers
Alma's 240 buildings earn a 67th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Alma's burn probability — fire likelihood with no building count factored in — sits at the 58th percentile nationally.
What "at risk" means for the buildings here
Indirect exposure is dominant in Alma (69.2% of 240 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 30.8% sit in the Direct zone.
Alma against the rest of the country
Alma's 67th national percentile looks worse in isolation than its 34th ranking inside Colorado does — this place is on the milder end for its own state, by 33 points. Among the 31,521 US communities USFS scores, Alma ranks 10,521 for wildfire risk (1 is highest) and 23,450 by building count (1 is largest). Within Colorado alone, it ranks 314 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
Alma's high rating (67th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
With ember exposure the dominant pattern in Alma (69.2% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Alma's figures come from
Alma's 67th-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 Alma's dominant indirect exposure actually means, with real examples from across the dataset.