Fruita, CO
How exposed is Fruita to wildfire?
Fruita's 6,034 buildings earn a 68th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Fruita's burn probability — fire likelihood with no building count factored in — sits at the 63rd percentile nationally.
What "at risk" means for the buildings here
Only 8.7% of Fruita's 6,034 buildings carry Direct exposure and 17.8% carry Indirect; the remaining 73.5% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 6,034 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Fruita against the rest of the country
Inside Colorado, Fruita sits at just the 35th percentile even though it scores 68th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Fruita ranks 10,203 for wildfire risk (1 is highest) and 2,865 by building count (1 is largest). Within Colorado alone, it ranks 310 of 472 places by risk. See the full county-by-county picture for Colorado on its state page.
Fruita and the insurance market
At the 68th percentile nationally, Fruita carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
Even with 73.5% of Fruita 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.
More on how this number was built
Fruita's 68th-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 Fruita, see the exposure-zones guide.