Johnstown, CO
Johnstown, CO's wildfire risk, in USFS's own numbers
USFS scores Johnstown at the 45th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 5,814 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Johnstown at the 47th percentile, close to its 45th-percentile risk score.
Johnstown's building exposure, zone by zone
Most of Johnstown's buildings (87.1% of 5,814) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure. At 5,814 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Johnstown against the rest of the country
Johnstown ranks lower within Colorado (12th percentile statewide) than its 45th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Johnstown ranks 17,228 for wildfire risk (1 is highest) and 2,967 by building count (1 is largest). Within Colorado alone, it ranks 414 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
Johnstown's elevated rating (45th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Johnstown's 87.1% 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
Johnstown's 45th-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 Johnstown, see the exposure-zones guide.