Longmont, CO
Longmont, CO's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Longmont lands at the 78th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 32,650 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Longmont's burn probability — fire likelihood with no building count factored in — sits at the 80th percentile nationally.
What "at risk" means for the buildings here
USFS classifies 90.4% of Longmont's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 4.5% Direct and 5.2% Indirect — a landscape-level risk rather than a building-by-building one. At 32,650 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Longmont against the rest of the country
Longmont ranks lower within Colorado (50th percentile statewide) than its 78th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Longmont ranks 6,989 for wildfire risk (1 is highest) and 334 by building count (1 is largest). Within Colorado alone, it ranks 238 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
Longmont's high rating (78th 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.
Lowering exposure, not just insuring around it
With 90.4% of buildings rated Minimal exposure, Longmont gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Longmont's figures come from
The methodology guide shows exactly how USFS turned 32,650 counted buildings into the percentiles shown above for Longmont. The exposure-zones guide covers what Longmont's dominant minimal exposure actually means, with real examples from across the dataset.