Monument, CO
Monument, CO's wildfire risk, in USFS's own numbers
Monument's 3,536 buildings earn a 97th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Monument's burn probability — fire likelihood with no building count factored in — sits at the 97th percentile nationally.
Monument's building exposure, zone by zone
Indirect exposure is dominant in Monument (74.4% of 3,536 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 24.6% sit in the Direct zone.
Monument against the rest of the country
There's little gap between Monument's 97th national percentile and its 89th percentile inside Colorado, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Monument ranks 843 for wildfire risk (1 is highest) and 4,730 by building count (1 is largest). Within Colorado alone, it ranks 50 of 472 places by risk. See the full county-by-county picture for Colorado on its state page.
Monument and the insurance market
Monument's very high rating (97th 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.
Hardening a home in Monument
Monument's 74.4% 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.
More on how this number was built
Monument's 97th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Monument, see the exposure-zones guide.