Centennial, CO
How exposed is Centennial to wildfire?
USFS's Wildfire Risk to Communities model puts Centennial at the 56th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 36,332 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Centennial at the 57th percentile, close to its 56th-percentile risk score.
What "at risk" means for the buildings here
84% of Centennial's 36,332 buildings sit in USFS's Minimal exposure zone, with only 16% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself. At 36,332 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Centennial against the rest of the country
Inside Colorado, Centennial sits at just the 24th percentile even though it scores 56th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Centennial ranks 13,987 for wildfire risk (1 is highest) and 290 by building count (1 is largest). Within Colorado alone, it ranks 358 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
Centennial's elevated wildfire rating (56th 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.
Hardening a home in Centennial
Even with 84% of Centennial outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Centennial's figures come from
Every one of the two percentiles behind Centennial's 13,987-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Centennial's dominant minimal exposure actually means, with real examples from across the dataset.