Hidden Lake, CO
Hidden Lake, CO's wildfire risk, in USFS's own numbers
Hidden Lake's 49 buildings earn a 98th-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.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Hidden Lake at the 97th percentile, close to its 98th-percentile risk score.
Hidden Lake's building exposure, zone by zone
Of Hidden Lake's 49 counted buildings, 100% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Hidden Lake against the rest of the country
Hidden Lake scores 98th nationally and 92nd within Colorado — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Hidden Lake ranks 536 for wildfire risk (1 is highest) and 30,948 by building count (1 is largest). Within Colorado alone, it ranks 37 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
Hidden Lake's very high rating (98th 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
Because Direct exposure dominates in Hidden Lake (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Hidden Lake's 98th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Hidden Lake, see the exposure-zones guide.