Fruitvale, CO
Fruitvale, CO's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Fruitvale lands at the 42nd percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 3,866 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Fruitvale at the 48th national percentile — 5 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Fruitvale's buildings actually sit
Indirect exposure is dominant in Fruitvale (52.5% of 3,866 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 3% sit in the Direct zone.
Fruitvale against the rest of the country
Inside Colorado, Fruitvale sits at just the 10th percentile even though it scores 42nd 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, Fruitvale ranks 18,143 for wildfire risk (1 is highest) and 4,368 by building count (1 is largest). Within Colorado alone, it ranks 427 of 472 places by risk. See the full county-by-county picture for Colorado on its state page.
Fruitvale and the insurance market
Fruitvale'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.
Hardening a home in Fruitvale
Fruitvale's 52.5% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Fruitvale's 42nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Fruitvale, see the exposure-zones guide.