Coal Creek (Jefferson), CO
Coal Creek (Jefferson) wildfire risk explained
Coal Creek (Jefferson) sits at the 98th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 1,791 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Coal Creek (Jefferson)'s burn probability — fire likelihood with no building count factored in — sits at the 97th percentile nationally.
What "at risk" means for the buildings here
USFS classifies 97.9% of Coal Creek (Jefferson)'s buildings as Direct exposure, higher than its 2.1% Indirect share and far above its 0% Minimal share — a profile where 1,754 structures sit close enough to vegetation that lot clearing matters most.
Where Coal Creek (Jefferson) ranks
There's little gap between Coal Creek (Jefferson)'s 98th national percentile and its 93rd percentile inside Colorado, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Coal Creek (Jefferson) ranks 502 for wildfire risk (1 is highest) and 8,095 by building count (1 is largest). Within Colorado alone, it ranks 34 of 472 places by risk. See the full county-by-county picture for Colorado on its state page.
Shopping for coverage in Coal Creek (Jefferson)
At the 98th percentile nationally, Coal Creek (Jefferson) carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Coal Creek (Jefferson) (97.9%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Coal Creek (Jefferson)'s figures come from
Every one of the two percentiles behind Coal Creek (Jefferson)'s 502-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Coal Creek (Jefferson)'s dominant direct exposure actually means, with real examples from across the dataset.