Chacra, CO
How exposed is Chacra to wildfire?
USFS's Wildfire Risk to Communities model puts Chacra at the 91st national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 186 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Chacra's burn probability — fire likelihood with no building count factored in — sits at the 88th percentile nationally.
Where Chacra's buildings actually sit
Direct exposure dominates in Chacra: 67.7% of its 186 buildings, versus 32.3% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Chacra ranks
Chacra's risk sits at a similar level relative to Colorado (76th percentile statewide) as it does nationally (91st) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Chacra ranks 2,861 for wildfire risk (1 is highest) and 25,380 by building count (1 is largest). Within Colorado alone, it ranks 113 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
Chacra's very high rating (91st 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.
What would actually reduce this score
Chacra's 67.7% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Chacra's figures come from
Every one of the two percentiles behind Chacra's 2,861-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Chacra's dominant direct exposure actually means, with real examples from across the dataset.