Garfield, CO
How exposed is Garfield to wildfire?
Garfield's 52 buildings earn a 73rd-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, Garfield's burn probability — fire likelihood with no building count factored in — sits at the 65th percentile nationally.
What "at risk" means for the buildings here
73.1% of Garfield's 52 buildings sit in USFS's Direct exposure zone, roughly 38 structures close enough to burnable vegetation for flame contact, not just embers — 26.9% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Garfield ranks
Garfield ranks lower within Colorado (42nd percentile statewide) than its 73rd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Garfield ranks 8,407 for wildfire risk (1 is highest) and 30,868 by building count (1 is largest). Within Colorado alone, it ranks 275 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
Garfield's high rating (73rd percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Hardening a home in Garfield
Garfield's 73.1% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Garfield's figures come from
Garfield's 73rd-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 Garfield's dominant direct exposure actually means, with real examples from across the dataset.