Mountain Village, CO
Mountain Village wildfire risk explained
Out of every US place USFS scores, Mountain Village lands at the 85th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 755 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Mountain Village at the 79th percentile, close to its 85th-percentile risk score.
Mountain Village's building exposure, zone by zone
755 buildings are counted in Mountain Village, and 94.3% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Mountain Village against the rest of the country
Mountain Village's 85th national percentile looks worse in isolation than its 66th ranking inside Colorado does — this place is on the milder end for its own state, by 19 points. Among the 31,521 US communities USFS scores, Mountain Village ranks 4,593 for wildfire risk (1 is highest) and 14,059 by building count (1 is largest). Within Colorado alone, it ranks 161 of 472 places by risk. See the full county-by-county picture for Colorado on its state page.
Shopping for coverage in Mountain Village
At the 85th percentile nationally, Mountain Village 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Mountain Village (94.3%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Mountain Village's figures come from
Mountain Village's 85th-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 Mountain Village's dominant direct exposure actually means, with real examples from across the dataset.