Morrison, CO
Morrison wildfire risk explained
Morrison sits at the 98th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 236 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Morrison's burn probability — fire likelihood with no building count factored in — sits at the 97th percentile nationally.
Morrison's building exposure, zone by zone
Indirect exposure is dominant in Morrison (58.5% of 236 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 41.5% sit in the Direct zone.
How Morrison compares
There's little gap between Morrison's 98th national percentile and its 90th percentile inside Colorado, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Morrison ranks 691 for wildfire risk (1 is highest) and 23,585 by building count (1 is largest). Within Colorado alone, it ranks 46 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 98th percentile nationally, Morrison carries the very 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.
Hardening a home in Morrison
Morrison's 58.5% 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 Morrison's figures come from
Morrison's 98th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Morrison's dominant indirect exposure actually means, with real examples from across the dataset.