Divide, CO
How exposed is Divide to wildfire?
USFS's Wildfire Risk to Communities model puts Divide at the 98th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 122 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Divide at the 98th percentile, close to its 98th-percentile risk score.
Where Divide's buildings actually sit
96.7% of Divide's 122 buildings sit in USFS's Direct exposure zone, roughly 118 structures close enough to burnable vegetation for flame contact, not just embers — 3.3% fall in the Indirect, ember-only zone and 0% are Minimal.
How Divide compares
Divide scores 98th nationally and 91st within Colorado — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Divide ranks 663 for wildfire risk (1 is highest) and 28,051 by building count (1 is largest). Within Colorado alone, it ranks 44 of 472 places by risk. See the full county-by-county picture for Colorado on its state page.
Shopping for coverage in Divide
Divide's 98th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
What would actually reduce this score
Divide's 96.7% 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 Divide's figures come from
The methodology guide shows exactly how USFS turned 122 counted buildings into the percentiles shown above for Divide. The exposure-zones guide covers what Divide's dominant direct exposure actually means, with real examples from across the dataset.