Kersey, CO
How exposed is Kersey to wildfire?
Kersey sits at the 59th 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 747 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Kersey at the 61st national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Kersey's buildings actually sit
USFS puts 90.8% of Kersey's 747 buildings in the Indirect exposure zone, versus 9.2% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Kersey ranks
Inside Colorado, Kersey sits at just the 28th percentile even though it scores 59th 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, Kersey ranks 12,976 for wildfire risk (1 is highest) and 14,149 by building count (1 is largest). Within Colorado alone, it ranks 342 of 472 places by risk. See the full county-by-county picture for Colorado on its state page.
Kersey and the insurance market
Kersey's elevated wildfire rating (59th 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.
What would actually reduce this score
With ember exposure the dominant pattern in Kersey (90.8% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Kersey's figures come from
Every one of the two percentiles behind Kersey's 12,976-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Kersey's dominant indirect exposure actually means, with real examples from across the dataset.