Durango, CO
Durango, CO's wildfire risk, in USFS's own numbers
USFS scores Durango at the 96th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 6,338 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Durango at the 93rd percentile, close to its 96th-percentile risk score.
Where Durango's buildings actually sit
6,338 buildings are counted in Durango, and 82.9% of them are Indirect exposure — ember-driven risk rather than the 17.1% in Direct exposure or the 0% rated Minimal. At 6,338 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Durango against the rest of the country
There's little gap between Durango's 96th national percentile and its 84th percentile inside Colorado, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Durango ranks 1,410 for wildfire risk (1 is highest) and 2,732 by building count (1 is largest). Within Colorado alone, it ranks 76 of 472 places by risk. See the full county-by-county picture for Colorado on its state page.
Shopping for coverage in Durango
Durango's 96th-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
With ember exposure the dominant pattern in Durango (82.9% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Every one of the two percentiles behind Durango's 1,410-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Durango, see the exposure-zones guide.