Florence, CO
Florence, CO's wildfire risk, in USFS's own numbers
Florence sits at the 88th 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 2,196 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Florence's burn probability — fire likelihood with no building count factored in — sits at the 88th percentile nationally.
What "at risk" means for the buildings here
Most of Florence's buildings (80.6%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Where Florence ranks
Inside Colorado, Florence sits at just the 70th percentile even though it scores 88th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Florence ranks 3,806 for wildfire risk (1 is highest) and 6,939 by building count (1 is largest). Within Colorado alone, it ranks 143 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
Florence's 88th-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
Because 80.6% of Florence's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Florence's figures come from
Every one of the two percentiles behind Florence's 3,806-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Florence's dominant indirect exposure actually means, with real examples from across the dataset.