Frisco, CO
Frisco wildfire risk explained
USFS scores Frisco at the 51st national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 1,498 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Frisco at the 47th percentile, close to its 51st-percentile risk score.
Where Frisco's buildings actually sit
1,498 buildings are counted in Frisco, and 83.7% of them are Indirect exposure — ember-driven risk rather than the 16.2% in Direct exposure or the 0.1% rated Minimal.
Where Frisco ranks
Frisco ranks lower within Colorado (20th percentile statewide) than its 51st national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Frisco ranks 15,373 for wildfire risk (1 is highest) and 9,178 by building count (1 is largest). Within Colorado alone, it ranks 377 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
Frisco's elevated wildfire rating (51st 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.
What would actually reduce this score
Because 83.7% of Frisco's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Frisco's figures come from
The methodology guide shows exactly how USFS turned 1,498 counted buildings into the percentiles shown above for Frisco. The exposure-zones guide covers what Frisco's dominant indirect exposure actually means, with real examples from across the dataset.