Ophir, CO
Ophir wildfire risk explained
USFS scores Ophir at the 80th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 82 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Ophir at the 72nd percentile, close to its 80th-percentile risk score.
What "at risk" means for the buildings here
USFS classifies 100% of Ophir's buildings as Direct exposure, higher than its 0% Indirect share and far above its 0% Minimal share — a profile where 82 structures sit close enough to vegetation that lot clearing matters most.
Where Ophir ranks
Inside Colorado, Ophir sits at just the 54th percentile even though it scores 80th 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, Ophir ranks 6,201 for wildfire risk (1 is highest) and 29,791 by building count (1 is largest). Within Colorado alone, it ranks 217 of 472 places by risk. See the full county-by-county picture for Colorado on its state page.
Shopping for coverage in Ophir
Ophir's very high rating (80th 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Ophir (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Ophir's figures come from
The methodology guide shows exactly how USFS turned 82 counted buildings into the percentiles shown above for Ophir. The exposure-zones guide covers what Ophir's dominant direct exposure actually means, with real examples from across the dataset.