Frederick, CO
How exposed is Frederick to wildfire?
Frederick sits at the 49th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 5,896 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Frederick at the 51st percentile, close to its 49th-percentile risk score.
Frederick's building exposure, zone by zone
85.4% of Frederick's 5,896 buildings sit in USFS's Minimal exposure zone, with only 14.6% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself. At 5,896 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Frederick against the rest of the country
Frederick ranks lower within Colorado (17th percentile statewide) than its 49th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Frederick ranks 15,968 for wildfire risk (1 is highest) and 2,921 by building count (1 is largest). Within Colorado alone, it ranks 390 of 472 places by risk. See the full county-by-county picture for Colorado on its state page.
Shopping for coverage in Frederick
At the 49th national percentile, Frederick rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Frederick
Even with 85.4% of Frederick 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.
Where Frederick's figures come from
Frederick's 49th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Frederick's dominant minimal exposure actually means, with real examples from across the dataset.