Lazy Acres, CO
Lazy Acres, CO's wildfire risk, in USFS's own numbers
USFS scores Lazy Acres at the 99th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 600 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lazy Acres at the 98th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Lazy Acres's buildings actually sit
Direct exposure dominates in Lazy Acres: 100% of its 600 buildings, versus 0% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Lazy Acres compares
There's little gap between Lazy Acres's 99th national percentile and its 95th percentile inside Colorado, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Lazy Acres ranks 414 for wildfire risk (1 is highest) and 15,831 by building count (1 is largest). Within Colorado alone, it ranks 29 of 472 places by risk. See the full county-by-county picture for Colorado on its state page.
Lazy Acres and the insurance market
Lazy Acres'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
Because Direct exposure dominates in Lazy Acres (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Lazy Acres's figures come from
Lazy Acres's 99th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Lazy Acres's dominant direct exposure actually means, with real examples from across the dataset.