Limon, CO
How exposed is Limon to wildfire?
USFS scores Limon at the 67th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 1,267 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 Limon at the 65th percentile, close to its 67th-percentile risk score.
What "at risk" means for the buildings here
USFS puts 85.2% of Limon's 1,267 buildings in the Indirect exposure zone, versus 14.8% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Limon ranks
Limon's 67th national percentile looks worse in isolation than its 33rd ranking inside Colorado does — this place is on the milder end for its own state, by 33 points. Among the 31,521 US communities USFS scores, Limon ranks 10,548 for wildfire risk (1 is highest) and 10,260 by building count (1 is largest). Within Colorado alone, it ranks 315 of 472 places by risk. See the full county-by-county picture for Colorado on its state page.
Limon and the insurance market
At the 67th percentile nationally, Limon carries the 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
Limon's 85.2% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Limon's figures come from
The methodology guide shows exactly how USFS turned 1,267 counted buildings into the percentiles shown above for Limon. The exposure-zones guide covers what Limon's dominant indirect exposure actually means, with real examples from across the dataset.