Four Square Mile, CO
How exposed is Four Square Mile to wildfire?
Four Square Mile's 3,133 buildings earn a 42nd-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Four Square Mile at the 45th percentile, close to its 42nd-percentile risk score.
What "at risk" means for the buildings here
Most of Four Square Mile's buildings (94.8% of 3,133) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
How Four Square Mile compares
Four Square Mile ranks lower within Colorado (9th percentile statewide) than its 42nd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Four Square Mile ranks 18,301 for wildfire risk (1 is highest) and 5,249 by building count (1 is largest). Within Colorado alone, it ranks 430 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
Four Square Mile's elevated wildfire rating (42nd 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
Four Square Mile's 94.8% 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.
Where Four Square Mile's figures come from
The methodology guide shows exactly how USFS turned 3,133 counted buildings into the percentiles shown above for Four Square Mile. The exposure-zones guide covers what Four Square Mile's dominant minimal exposure actually means, with real examples from across the dataset.