Laporte, CO
Laporte wildfire risk explained
USFS scores Laporte at the 91st national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 1,778 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Laporte at the 92nd national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Laporte's buildings actually sit
USFS classifies 66.9% of Laporte's buildings as Direct exposure, higher than its 26.6% Indirect share and far above its 6.6% Minimal share — a profile where 1,189 structures sit close enough to vegetation that lot clearing matters most.
Where Laporte ranks
Laporte scores 91st nationally and 76th 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, Laporte ranks 2,924 for wildfire risk (1 is highest) and 8,129 by building count (1 is largest). Within Colorado alone, it ranks 115 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
At the 91st percentile nationally, Laporte carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
With 66.9% of Laporte 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 Laporte's figures come from
Every one of the two percentiles behind Laporte's 2,924-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Laporte's dominant direct exposure actually means, with real examples from across the dataset.