Floyd Hill, CO
How exposed is Floyd Hill to wildfire?
Out of every US place USFS scores, Floyd Hill lands at the 98th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 586 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Floyd Hill at the 97th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Of Floyd Hill's 586 counted buildings, 97.8% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Floyd Hill compares
Floyd Hill's risk sits at a similar level relative to Colorado (92nd percentile statewide) as it does nationally (98th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Floyd Hill ranks 567 for wildfire risk (1 is highest) and 16,019 by building count (1 is largest). Within Colorado alone, it ranks 39 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
Floyd Hill's very high rating (98th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Floyd Hill (97.8%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Floyd Hill's 98th-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 Floyd Hill, see the exposure-zones guide.