Inverness, CO
Inverness, CO's wildfire risk, in USFS's own numbers
Inverness sits at the 55th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 251 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Inverness at the 57th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Inverness's buildings actually sit
87.7% of Inverness's 251 buildings sit in USFS's Minimal exposure zone, with only 12.4% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Inverness against the rest of the country
Inverness's 55th national percentile looks worse in isolation than its 23rd ranking inside Colorado does — this place is on the milder end for its own state, by 32 points. Among the 31,521 US communities USFS scores, Inverness ranks 14,235 for wildfire risk (1 is highest) and 23,097 by building count (1 is largest). Within Colorado alone, it ranks 364 of 472 places by risk. See the full county-by-county picture for Colorado on its state page.
Shopping for coverage in Inverness
Inverness's elevated wildfire rating (55th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
Even with 87.7% of Inverness outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Inverness's figures come from
The methodology guide shows exactly how USFS turned 251 counted buildings into the percentiles shown above for Inverness. The exposure-zones guide covers what Inverness's dominant minimal exposure actually means, with real examples from across the dataset.