Mulford, CO
Mulford wildfire risk explained
Out of every US place USFS scores, Mulford lands at the 79th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 194 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Mulford's burn probability — fire likelihood with no building count factored in — sits at the 75th percentile nationally.
What "at risk" means for the buildings here
194 buildings are counted in Mulford, and 59.8% 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.
Mulford against the rest of the country
Inside Colorado, Mulford sits at just the 51st percentile even though it scores 79th 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, Mulford ranks 6,737 for wildfire risk (1 is highest) and 25,060 by building count (1 is largest). Within Colorado alone, it ranks 233 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 79th percentile nationally, Mulford carries the 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.
What would actually reduce this score
With 59.8% of Mulford 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 Mulford's figures come from
Every one of the two percentiles behind Mulford's 6,737-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Mulford's dominant direct exposure actually means, with real examples from across the dataset.