Bennett, CO
Bennett wildfire risk explained
Out of every US place USFS scores, Bennett lands at the 78th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 1,168 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Bennett's burn probability — fire likelihood with no building count factored in — sits at the 76th percentile nationally.
Bennett's building exposure, zone by zone
USFS puts 44.7% of Bennett's 1,168 buildings in the Indirect exposure zone, versus 23.1% Direct and 32.2% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Bennett against the rest of the country
Bennett's 78th national percentile looks worse in isolation than its 49th ranking inside Colorado does — this place is on the milder end for its own state, by 29 points. Among the 31,521 US communities USFS scores, Bennett ranks 7,083 for wildfire risk (1 is highest) and 10,843 by building count (1 is largest). Within Colorado alone, it ranks 241 of 472 places by risk. See the full county-by-county picture for Colorado on its state page.
Shopping for coverage in Bennett
Bennett's 78th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
Bennett's 44.7% 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 Bennett's figures come from
Bennett's 78th-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 Bennett's dominant indirect exposure actually means, with real examples from across the dataset.