Fort Morgan, CO
How exposed is Fort Morgan to wildfire?
Fort Morgan's 4,992 buildings earn a 25th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Fort Morgan at the 26th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Fort Morgan's building exposure, zone by zone
Only 1.6% of Fort Morgan's 4,992 buildings carry Direct exposure and 17.7% carry Indirect; the remaining 80.7% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How Fort Morgan compares
Fort Morgan's 25th national percentile looks worse in isolation than its 2nd ranking inside Colorado does — this place is on the milder end for its own state, by 23 points. Among the 31,521 US communities USFS scores, Fort Morgan ranks 23,501 for wildfire risk (1 is highest) and 3,430 by building count (1 is largest). Within Colorado alone, it ranks 460 of 472 places by risk. See the full county-by-county picture for Colorado on its state page.
Fort Morgan and the insurance market
Fort Morgan's moderate wildfire rating (25th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
Fort Morgan's 80.7% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Fort Morgan's 25th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Fort Morgan, see the exposure-zones guide.