Arriba, CO
How exposed is Arriba to wildfire?
Arriba sits at the 44th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 263 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Arriba at the 41st national percentile — 3 points below its risk-to-structures score, a gap driven by how much is actually built there.
Arriba's building exposure, zone by zone
Most of Arriba's buildings (82.5%) 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 Arriba ranks
Arriba's 44th national percentile looks worse in isolation than its 11th 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, Arriba ranks 17,574 for wildfire risk (1 is highest) and 22,717 by building count (1 is largest). Within Colorado alone, it ranks 418 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
Arriba's elevated wildfire rating (44th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
Arriba's 82.5% 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 Arriba's figures come from
The methodology guide shows exactly how USFS turned 263 counted buildings into the percentiles shown above for Arriba. The exposure-zones guide covers what Arriba's dominant indirect exposure actually means, with real examples from across the dataset.