Hayden, CO
Hayden, CO's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Hayden at the 64th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 958 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Hayden at the 64th percentile, close to its 64th-percentile risk score.
Where Hayden's buildings actually sit
Indirect exposure is dominant in Hayden (79.3% of 958 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 20.7% sit in the Direct zone.
Hayden against the rest of the country
Inside Colorado, Hayden sits at just the 31st percentile even though it scores 64th 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, Hayden ranks 11,212 for wildfire risk (1 is highest) and 12,238 by building count (1 is largest). Within Colorado alone, it ranks 325 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
Hayden's high rating (64th 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
Hayden's 79.3% 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 Hayden's figures come from
The methodology guide shows exactly how USFS turned 958 counted buildings into the percentiles shown above for Hayden. The exposure-zones guide covers what Hayden's dominant indirect exposure actually means, with real examples from across the dataset.