Fairmount, CO
Fairmount, CO's wildfire risk, in USFS's own numbers
USFS scores Fairmount at the 89th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 4,969 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Fairmount at the 89th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Fairmount's buildings actually sit
39.5% of Fairmount's 4,969 buildings sit in USFS's Minimal exposure zone, with only 21.5% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Fairmount compares
Fairmount ranks lower within Colorado (72nd percentile statewide) than its 89th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Fairmount ranks 3,554 for wildfire risk (1 is highest) and 3,448 by building count (1 is largest). Within Colorado alone, it ranks 132 of 472 places by risk. See the full county-by-county picture for Colorado on its state page.
What this risk score means for insurance
Fairmount's 89th-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.
Lowering exposure, not just insuring around it
With 39.5% of buildings rated Minimal exposure, Fairmount gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Fairmount's figures come from
The methodology guide shows exactly how USFS turned 4,969 counted buildings into the percentiles shown above for Fairmount. The exposure-zones guide covers what Fairmount's dominant minimal exposure actually means, with real examples from across the dataset.