Paragon Estates, CO
Paragon Estates wildfire risk explained
Paragon Estates's 620 buildings earn a 88th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Paragon Estates's burn probability — fire likelihood with no building count factored in — sits at the 90th percentile nationally.
Paragon Estates's building exposure, zone by zone
Direct exposure dominates in Paragon Estates: 92.4% of its 620 buildings, versus 7.6% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Paragon Estates compares
Inside Colorado, Paragon Estates sits at just the 71st percentile even though it scores 88th 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, Paragon Estates ranks 3,715 for wildfire risk (1 is highest) and 15,554 by building count (1 is largest). Within Colorado alone, it ranks 139 of 472 places by risk. See the full county-by-county picture for Colorado on its state page.
Paragon Estates and the insurance market
At the 88th percentile nationally, Paragon Estates 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
Paragon Estates's 92.4% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Paragon Estates's figures come from
The methodology guide shows exactly how USFS turned 620 counted buildings into the percentiles shown above for Paragon Estates. The exposure-zones guide covers what Paragon Estates's dominant direct exposure actually means, with real examples from across the dataset.