Lochbuie, CO
Lochbuie, CO's wildfire risk, in USFS's own numbers
USFS scores Lochbuie at the 65th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 2,913 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lochbuie's burn probability — fire likelihood with no building count factored in — sits at the 65th percentile nationally.
Lochbuie's building exposure, zone by zone
USFS puts 60.8% of Lochbuie's 2,913 buildings in the Indirect exposure zone, versus 16.4% Direct and 22.9% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Lochbuie against the rest of the country
Lochbuie ranks lower within Colorado (32nd percentile statewide) than its 65th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Lochbuie ranks 10,958 for wildfire risk (1 is highest) and 5,565 by building count (1 is largest). Within Colorado alone, it ranks 321 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
Lochbuie's high rating (65th 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.
Hardening a home in Lochbuie
Lochbuie's 60.8% 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 Lochbuie's figures come from
The methodology guide shows exactly how USFS turned 2,913 counted buildings into the percentiles shown above for Lochbuie. The exposure-zones guide covers what Lochbuie's dominant indirect exposure actually means, with real examples from across the dataset.