Hartman, CO
How exposed is Hartman to wildfire?
USFS scores Hartman at the 46th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 97 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Hartman's burn probability — fire likelihood with no building count factored in — sits at the 43rd percentile nationally.
Hartman's building exposure, zone by zone
Hartman rates 68% Minimal exposure against just 32% Direct and 0% Indirect — of 97 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Hartman compares
Hartman's 46th national percentile looks worse in isolation than its 13th ranking inside Colorado does — this place is on the milder end for its own state, by 33 points. Among the 31,521 US communities USFS scores, Hartman ranks 17,166 for wildfire risk (1 is highest) and 29,166 by building count (1 is largest). Within Colorado alone, it ranks 412 of 472 places by risk. See the full county-by-county picture for Colorado on its state page.
Shopping for coverage in Hartman
Hartman's elevated rating (46th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Hartman
Hartman's 68% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Hartman's 46th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Hartman, see the exposure-zones guide.