Meridian Village, CO
How exposed is Meridian Village to wildfire?
USFS's Wildfire Risk to Communities model puts Meridian Village at the 81st national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 981 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Meridian Village's burn probability — fire likelihood with no building count factored in — sits at the 81st percentile nationally.
Where Meridian Village's buildings actually sit
94.6% of Meridian Village's 981 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 5.4% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Meridian Village against the rest of the country
Meridian Village ranks lower within Colorado (55th percentile statewide) than its 81st national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Meridian Village ranks 6,047 for wildfire risk (1 is highest) and 12,064 by building count (1 is largest). Within Colorado alone, it ranks 213 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
Meridian Village's 81st-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
Meridian Village's 94.6% 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 Meridian Village's figures come from
Every one of the two percentiles behind Meridian Village's 6,047-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Meridian Village's dominant indirect exposure actually means, with real examples from across the dataset.