Craig, CO
How exposed is Craig to wildfire?
Craig's 4,352 buildings earn a 74th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Craig at the 72nd percentile, close to its 74th-percentile risk score.
Where Craig's buildings actually sit
Indirect exposure is dominant in Craig (88.7% of 4,352 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 10.1% sit in the Direct zone.
Where Craig ranks
Inside Colorado, Craig sits at just the 43rd percentile even though it scores 74th 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, Craig ranks 8,155 for wildfire risk (1 is highest) and 3,930 by building count (1 is largest). Within Colorado alone, it ranks 269 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 74th percentile nationally, Craig carries the 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.
What would actually reduce this score
Craig's 88.7% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Craig's figures come from
Craig's 74th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Craig's dominant indirect exposure actually means, with real examples from across the dataset.