Fort Lupton, CO
Fort Lupton wildfire risk explained
USFS scores Fort Lupton at the 65th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 3,368 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Fort Lupton at the 65th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
83.6% of Fort Lupton's 3,368 buildings sit in USFS's Minimal exposure zone, with only 15.5% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Fort Lupton against the rest of the country
Fort Lupton's 65th national percentile looks worse in isolation than its 32nd ranking inside Colorado does — this place is on the milder end for its own state, by 33 points. Among the 31,521 US communities USFS scores, Fort Lupton ranks 11,051 for wildfire risk (1 is highest) and 4,958 by building count (1 is largest). Within Colorado alone, it ranks 322 of 472 places by risk. See the full county-by-county picture for Colorado on its state page.
Shopping for coverage in Fort Lupton
Fort Lupton's high rating (65th 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
Even with 83.6% of Fort Lupton outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Fort Lupton's 11,051-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Fort Lupton, see the exposure-zones guide.