McClave, CO
How exposed is McClave to wildfire?
Out of every US place USFS scores, McClave lands at the 71st percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 156 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks McClave at the 70th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
McClave's building exposure, zone by zone
48.7% of McClave's 156 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 48.1% Direct and 3.2% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
McClave against the rest of the country
McClave ranks lower within Colorado (39th percentile statewide) than its 71st national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, McClave ranks 9,068 for wildfire risk (1 is highest) and 26,603 by building count (1 is largest). Within Colorado alone, it ranks 289 of 472 places by risk. See the full county-by-county picture for Colorado on its state page.
Shopping for coverage in McClave
At the 71st percentile nationally, McClave 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
McClave's 48.7% 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 McClave's figures come from
Every one of the two percentiles behind McClave's 9,068-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what McClave's dominant indirect exposure actually means, with real examples from across the dataset.