El Moro, CO
El Moro, CO's wildfire risk, in USFS's own numbers
El Moro sits at the 82nd 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 276 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, El Moro's burn probability — fire likelihood with no building count factored in — sits at the 79th percentile nationally.
What "at risk" means for the buildings here
85.9% of El Moro's 276 buildings sit in USFS's Direct exposure zone, roughly 237 structures close enough to burnable vegetation for flame contact, not just embers — 14.1% fall in the Indirect, ember-only zone and 0% are Minimal.
Where El Moro ranks
El Moro ranks lower within Colorado (59th percentile statewide) than its 82nd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, El Moro ranks 5,604 for wildfire risk (1 is highest) and 22,313 by building count (1 is largest). Within Colorado alone, it ranks 194 of 472 places by risk. See the full county-by-county picture for Colorado on its state page.
Shopping for coverage in El Moro
At the 82nd percentile nationally, El Moro carries the very 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in El Moro (85.9%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where El Moro's figures come from
The methodology guide shows exactly how USFS turned 276 counted buildings into the percentiles shown above for El Moro. The exposure-zones guide covers what El Moro's dominant direct exposure actually means, with real examples from across the dataset.