Jamestown, CO
Jamestown wildfire risk explained
Jamestown sits at the 99th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 194 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Jamestown at the 99th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Jamestown's buildings actually sit
194 buildings are counted in Jamestown, and 100% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Where Jamestown ranks
Jamestown's risk sits at a similar level relative to Colorado (99th percentile statewide) as it does nationally (99th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Jamestown ranks 256 for wildfire risk (1 is highest) and 25,059 by building count (1 is largest). Within Colorado alone, it ranks 6 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
Jamestown's very high rating (99th 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.
What would actually reduce this score
With 100% of Jamestown in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Jamestown's figures come from
The methodology guide shows exactly how USFS turned 194 counted buildings into the percentiles shown above for Jamestown. The exposure-zones guide covers what Jamestown's dominant direct exposure actually means, with real examples from across the dataset.