Bow Mar, CO
How exposed is Bow Mar to wildfire?
Bow Mar sits at the 32nd percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 320 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 Bow Mar at the 37th percentile, close to its 32nd-percentile risk score.
What "at risk" means for the buildings here
320 buildings are counted in Bow Mar, and 50.9% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 49.1% rated Minimal.
Bow Mar against the rest of the country
Bow Mar ranks lower within Colorado (5th percentile statewide) than its 32nd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Bow Mar ranks 21,388 for wildfire risk (1 is highest) and 21,085 by building count (1 is largest). Within Colorado alone, it ranks 450 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 32nd national percentile, Bow Mar rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Bow Mar (50.9%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Bow Mar's figures come from
The methodology guide shows exactly how USFS turned 320 counted buildings into the percentiles shown above for Bow Mar. The exposure-zones guide covers what Bow Mar's dominant direct exposure actually means, with real examples from across the dataset.