Naturita, CO
How exposed is Naturita to wildfire?
USFS's Wildfire Risk to Communities model puts Naturita at the 82nd national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 434 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Naturita at the 76th percentile, close to its 82nd-percentile risk score.
What "at risk" means for the buildings here
434 buildings are counted in Naturita, and 58.5% of them are Indirect exposure — ember-driven risk rather than the 41.5% in Direct exposure or the 0% rated Minimal.
Where Naturita ranks
Naturita ranks lower within Colorado (57th percentile statewide) than its 82nd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Naturita ranks 5,826 for wildfire risk (1 is highest) and 18,558 by building count (1 is largest). Within Colorado alone, it ranks 204 of 472 places by risk. See the full county-by-county picture for Colorado on its state page.
Naturita and the insurance market
At the 82nd percentile nationally, Naturita 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
Naturita'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 Naturita's figures come from
Naturita's 82nd-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 Naturita's dominant indirect exposure actually means, with real examples from across the dataset.