Georgetown, CO
How exposed is Georgetown to wildfire?
USFS scores Georgetown at the 96th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 605 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Georgetown at the 93rd national percentile — 3 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Indirect exposure is dominant in Georgetown (81.5% of 605 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 18.5% sit in the Direct zone.
Georgetown against the rest of the country
Georgetown scores 96th nationally and 85th within Colorado — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Georgetown ranks 1,379 for wildfire risk (1 is highest) and 15,759 by building count (1 is largest). Within Colorado alone, it ranks 74 of 472 places by risk. See the full county-by-county picture for Colorado on its state page.
Georgetown and the insurance market
At the 96th percentile nationally, Georgetown carries the very 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
Georgetown's 81.5% 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
The methodology guide shows exactly how USFS turned 605 counted buildings into the percentiles shown above for Georgetown. For more on what indirect exposure implies beyond Georgetown, see the exposure-zones guide.