Gunbarrel, CO
How exposed is Gunbarrel to wildfire?
Gunbarrel's 2,979 buildings earn a 83rd-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Gunbarrel at the 86th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Gunbarrel's buildings actually sit
Indirect exposure is dominant in Gunbarrel (56.7% of 2,979 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 30.2% sit in the Direct zone.
Gunbarrel against the rest of the country
Inside Colorado, Gunbarrel sits at just the 62nd percentile even though it scores 83rd 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, Gunbarrel ranks 5,350 for wildfire risk (1 is highest) and 5,470 by building count (1 is largest). Within Colorado alone, it ranks 182 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
Gunbarrel's 83rd-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
What would actually reduce this score
Because 56.7% of Gunbarrel's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Gunbarrel's figures come from
Every one of the two percentiles behind Gunbarrel's 5,350-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Gunbarrel's dominant indirect exposure actually means, with real examples from across the dataset.