Cathedral, CO
Cathedral wildfire risk explained
Out of every US place USFS scores, Cathedral lands at the 74th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 91 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Cathedral at the 66th percentile, close to its 74th-percentile risk score.
What "at risk" means for the buildings here
100% of Cathedral's 91 buildings sit in USFS's Direct exposure zone, roughly 91 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Cathedral ranks
Cathedral's 74th national percentile looks worse in isolation than its 43rd ranking inside Colorado does — this place is on the milder end for its own state, by 31 points. Among the 31,521 US communities USFS scores, Cathedral ranks 8,315 for wildfire risk (1 is highest) and 29,438 by building count (1 is largest). Within Colorado alone, it ranks 270 of 472 places by risk. See the full county-by-county picture for Colorado on its state page.
Shopping for coverage in Cathedral
Cathedral's high rating (74th 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.
Lowering exposure, not just insuring around it
With 100% of Cathedral in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Cathedral's 74th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Cathedral, see the exposure-zones guide.