Larkspur, CO
How exposed is Larkspur to wildfire?
Out of every US place USFS scores, Larkspur lands at the 98th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 315 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Larkspur's burn probability — fire likelihood with no building count factored in — sits at the 98th percentile nationally.
Where Larkspur's buildings actually sit
315 buildings are counted in Larkspur, and 96.5% 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 Larkspur ranks
There's little gap between Larkspur's 98th national percentile and its 93rd percentile inside Colorado, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Larkspur ranks 503 for wildfire risk (1 is highest) and 21,223 by building count (1 is largest). Within Colorado alone, it ranks 35 of 472 places by risk. See the full county-by-county picture for Colorado on its state page.
Larkspur and the insurance market
At the 98th percentile nationally, Larkspur 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.
What would actually reduce this score
With 96.5% of Larkspur 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 Larkspur's figures come from
The methodology guide shows exactly how USFS turned 315 counted buildings into the percentiles shown above for Larkspur. The exposure-zones guide covers what Larkspur's dominant direct exposure actually means, with real examples from across the dataset.