Granby, CO
Granby, CO's wildfire risk, in USFS's own numbers
USFS scores Granby at the 81st national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 1,481 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Granby at the 81st percentile, close to its 81st-percentile risk score.
Granby's building exposure, zone by zone
USFS puts 56.9% of Granby's 1,481 buildings in the Indirect exposure zone, versus 43.2% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Granby against the rest of the country
Inside Colorado, Granby sits at just the 56th percentile even though it scores 81st 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, Granby ranks 5,954 for wildfire risk (1 is highest) and 9,243 by building count (1 is largest). Within Colorado alone, it ranks 209 of 472 places by risk. See the full county-by-county picture for Colorado on its state page.
Shopping for coverage in Granby
Granby's very high rating (81st 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.
Lowering exposure, not just insuring around it
Granby's 56.9% 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.
Where Granby's figures come from
Granby's 81st-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 Granby's dominant indirect exposure actually means, with real examples from across the dataset.