Franktown, CO
Franktown wildfire risk explained
USFS's Wildfire Risk to Communities model puts Franktown at the 92nd national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 379 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Franktown at the 92nd percentile, close to its 92nd-percentile risk score.
Franktown's building exposure, zone by zone
379 buildings are counted in Franktown, and 91.6% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Franktown against the rest of the country
There's little gap between Franktown's 92nd national percentile and its 79th percentile inside Colorado, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Franktown ranks 2,577 for wildfire risk (1 is highest) and 19,665 by building count (1 is largest). Within Colorado alone, it ranks 102 of 472 places by risk. See the full county-by-county picture for Colorado on its state page.
Shopping for coverage in Franktown
Franktown's 92nd-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
With 91.6% of Franktown in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Franktown's figures come from
The methodology guide shows exactly how USFS turned 379 counted buildings into the percentiles shown above for Franktown. The exposure-zones guide covers what Franktown's dominant direct exposure actually means, with real examples from across the dataset.