Fairplay, CO
How exposed is Fairplay to wildfire?
USFS scores Fairplay at the 40th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 580 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 Fairplay at the 40th percentile, close to its 40th-percentile risk score.
What "at risk" means for the buildings here
580 buildings are counted in Fairplay, and 77.4% of them are Indirect exposure — ember-driven risk rather than the 22.6% in Direct exposure or the 0% rated Minimal.
How Fairplay compares
Fairplay's 40th national percentile looks worse in isolation than its 8th ranking inside Colorado does — this place is on the milder end for its own state, by 31 points. Among the 31,521 US communities USFS scores, Fairplay ranks 18,998 for wildfire risk (1 is highest) and 16,104 by building count (1 is largest). Within Colorado alone, it ranks 433 of 472 places by risk. See the full county-by-county picture for Colorado on its state page.
Fairplay and the insurance market
Fairplay's moderate rating (40th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Fairplay (77.4% 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
Fairplay's 40th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Fairplay, see the exposure-zones guide.