Peyton, CO
Peyton wildfire risk explained
USFS's Wildfire Risk to Communities model puts Peyton at the 90th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 207 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Peyton at the 91st national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
USFS classifies 80.7% of Peyton's buildings as Direct exposure, higher than its 19.3% Indirect share and far above its 0% Minimal share — a profile where 167 structures sit close enough to vegetation that lot clearing matters most.
How Peyton compares
Peyton's 90th national percentile looks worse in isolation than its 75th ranking inside Colorado does — this place is on the milder end for its own state, by 15 points. Among the 31,521 US communities USFS scores, Peyton ranks 3,020 for wildfire risk (1 is highest) and 24,588 by building count (1 is largest). Within Colorado alone, it ranks 117 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
Peyton's very high rating (90th 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.
What would actually reduce this score
With 80.7% of Peyton 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 Peyton's figures come from
Peyton's 90th-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 Peyton's dominant direct exposure actually means, with real examples from across the dataset.