Moffat, CO
How exposed is Moffat to wildfire?
Moffat sits at the 50th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 154 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Moffat at the 50th percentile, close to its 50th-percentile risk score.
Moffat's building exposure, zone by zone
68.2% of Moffat's 154 buildings sit in USFS's Direct exposure zone, roughly 105 structures close enough to burnable vegetation for flame contact, not just embers — 31.8% fall in the Indirect, ember-only zone and 0% are Minimal.
How Moffat compares
Inside Colorado, Moffat sits at just the 18th percentile even though it scores 50th 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, Moffat ranks 15,906 for wildfire risk (1 is highest) and 26,692 by building count (1 is largest). Within Colorado alone, it ranks 389 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
At the 50th national percentile, Moffat rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Moffat
With 68.2% of Moffat in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Moffat's figures come from
The methodology guide shows exactly how USFS turned 154 counted buildings into the percentiles shown above for Moffat. The exposure-zones guide covers what Moffat's dominant direct exposure actually means, with real examples from across the dataset.