Deer Trail, CO
How exposed is Deer Trail to wildfire?
Deer Trail sits at the 81st 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 654 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Deer Trail at the 80th percentile, close to its 81st-percentile risk score.
Deer Trail's building exposure, zone by zone
USFS puts 57.8% of Deer Trail's 654 buildings in the Indirect exposure zone, versus 42.2% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Deer Trail compares
Inside Colorado, Deer Trail sits at just the 55th percentile even though it scores 81st 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, Deer Trail ranks 5,977 for wildfire risk (1 is highest) and 15,146 by building count (1 is largest). Within Colorado alone, it ranks 210 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
Deer Trail's very high rating (81st 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
Because 57.8% of Deer Trail's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Deer Trail's figures come from
Every one of the two percentiles behind Deer Trail's 5,977-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Deer Trail's dominant indirect exposure actually means, with real examples from across the dataset.