Loveland, CO
Loveland wildfire risk explained
USFS's Wildfire Risk to Communities model puts Loveland at the 83rd national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 29,144 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Loveland's burn probability — fire likelihood with no building count factored in — sits at the 84th percentile nationally.
What "at risk" means for the buildings here
Most of Loveland's buildings (72.7% of 29,144) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure. At 29,144 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Loveland compares
Loveland ranks lower within Colorado (61st percentile statewide) than its 83rd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Loveland ranks 5,443 for wildfire risk (1 is highest) and 403 by building count (1 is largest). Within Colorado alone, it ranks 187 of 472 places by risk. See the full county-by-county picture for Colorado on its state page.
Shopping for coverage in Loveland
Loveland's very high rating (83rd 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
Even with 72.7% of Loveland outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Loveland's figures come from
Every one of the two percentiles behind Loveland's 5,443-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Loveland's dominant minimal exposure actually means, with real examples from across the dataset.