Granada, CO
Granada wildfire risk explained
USFS's Wildfire Risk to Communities model puts Granada at the 81st national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 345 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Granada's burn probability — fire likelihood with no building count factored in — sits at the 81st percentile nationally.
Where Granada's buildings actually sit
USFS puts 69% of Granada's 345 buildings in the Indirect exposure zone, versus 31% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Granada ranks
Granada's 81st national percentile looks worse in isolation than its 56th ranking inside Colorado does — this place is on the milder end for its own state, by 25 points. Among the 31,521 US communities USFS scores, Granada ranks 5,889 for wildfire risk (1 is highest) and 20,444 by building count (1 is largest). Within Colorado alone, it ranks 206 of 472 places by risk. See the full county-by-county picture for Colorado on its state page.
Granada and the insurance market
At the 81st percentile nationally, Granada 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.
What would actually reduce this score
Granada's 69% 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 345 counted buildings into the percentiles shown above for Granada. For more on what indirect exposure implies beyond Granada, see the exposure-zones guide.