Denver, CO
Denver wildfire risk explained
Denver's 223,962 buildings earn a 65th-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.)
Separately from the risk score above, Denver's burn probability — fire likelihood with no building count factored in — sits at the 65th percentile nationally.
Denver's building exposure, zone by zone
USFS classifies 94.7% of Denver's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 2.2% Direct and 3.1% Indirect — a landscape-level risk rather than a building-by-building one. At 223,962 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Denver ranks
Denver's 65th national percentile looks worse in isolation than its 32nd ranking inside Colorado does — this place is on the milder end for its own state, by 33 points. Among the 31,521 US communities USFS scores, Denver ranks 10,894 for wildfire risk (1 is highest) and 23 by building count (1 is largest). Within Colorado alone, it ranks 320 of 472 places by risk. See the full county-by-county picture for Colorado on its state page.
Shopping for coverage in Denver
Denver's high rating (65th 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.
Lowering exposure, not just insuring around it
With 94.7% of buildings rated Minimal exposure, Denver gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Denver's 65th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Denver, see the exposure-zones guide.