Applewood, CO
Applewood wildfire risk explained
Applewood's 3,045 buildings earn a 69th-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.)
Fire likelihood alone (USFS's burn-probability figure) ranks Applewood at the 69th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Applewood's building exposure, zone by zone
Most of Applewood's buildings (66.4%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Where Applewood ranks
Applewood's 69th national percentile looks worse in isolation than its 36th ranking inside Colorado does — this place is on the milder end for its own state, by 34 points. Among the 31,521 US communities USFS scores, Applewood ranks 9,636 for wildfire risk (1 is highest) and 5,361 by building count (1 is largest). Within Colorado alone, it ranks 303 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 69th percentile nationally, Applewood carries the 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.
What would actually reduce this score
With ember exposure the dominant pattern in Applewood (66.4% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Applewood's figures come from
The methodology guide shows exactly how USFS turned 3,045 counted buildings into the percentiles shown above for Applewood. The exposure-zones guide covers what Applewood's dominant indirect exposure actually means, with real examples from across the dataset.