Eldora, CO
Eldora, CO's wildfire risk, in USFS's own numbers
Eldora sits at the 97th 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 270 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Eldora's burn probability — fire likelihood with no building count factored in — sits at the 95th percentile nationally.
Eldora's building exposure, zone by zone
Direct exposure dominates in Eldora: 100% of its 270 buildings, versus 0% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Eldora ranks
Eldora's risk sits at a similar level relative to Colorado (88th percentile statewide) as it does nationally (97th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Eldora ranks 969 for wildfire risk (1 is highest) and 22,495 by building count (1 is largest). Within Colorado alone, it ranks 59 of 472 places by risk. See the full county-by-county picture for Colorado on its state page.
Eldora and the insurance market
At the 97th percentile nationally, Eldora 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.
What would actually reduce this score
Eldora's 100% 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.
More on how this number was built
Eldora's 97th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Eldora, see the exposure-zones guide.