Loma, CO
How exposed is Loma to wildfire?
USFS scores Loma at the 52nd national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 1,180 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 Loma at the 50th percentile, close to its 52nd-percentile risk score.
What "at risk" means for the buildings here
Of Loma's 1,180 counted buildings, 66.1% carry Direct exposure and only 24.5% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Loma compares
Inside Colorado, Loma sits at just the 20th percentile even though it scores 52nd nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Loma ranks 15,213 for wildfire risk (1 is highest) and 10,766 by building count (1 is largest). Within Colorado alone, it ranks 376 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
Loma's elevated rating (52nd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Loma's 66.1% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Loma's figures come from
Every one of the two percentiles behind Loma's 15,213-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Loma's dominant direct exposure actually means, with real examples from across the dataset.