Evergreen, CO
Evergreen wildfire risk explained
Evergreen's 4,230 buildings earn a 99th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Evergreen's burn probability — fire likelihood with no building count factored in — sits at the 98th percentile nationally.
Where Evergreen's buildings actually sit
USFS classifies 83.6% of Evergreen's buildings as Direct exposure, higher than its 16.3% Indirect share and far above its 0.1% Minimal share — a profile where 3,534 structures sit close enough to vegetation that lot clearing matters most.
Evergreen against the rest of the country
There's little gap between Evergreen's 99th national percentile and its 95th percentile inside Colorado, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Evergreen ranks 349 for wildfire risk (1 is highest) and 4,033 by building count (1 is largest). Within Colorado alone, it ranks 23 of 472 places by risk. See the full county-by-county picture for Colorado on its state page.
Evergreen and the insurance market
At the 99th percentile nationally, Evergreen 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
Evergreen's 83.6% 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 Evergreen's figures come from
Evergreen's 99th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Evergreen's dominant direct exposure actually means, with real examples from across the dataset.