Pine Brook Hill, CO
How exposed is Pine Brook Hill to wildfire?
USFS scores Pine Brook Hill at the 98th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 544 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Pine Brook Hill at the 98th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
100% of Pine Brook Hill's 544 buildings sit in USFS's Direct exposure zone, roughly 544 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 0% are Minimal.
Pine Brook Hill against the rest of the country
There's little gap between Pine Brook Hill's 98th national percentile and its 93rd percentile inside Colorado, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Pine Brook Hill ranks 504 for wildfire risk (1 is highest) and 16,649 by building count (1 is largest). Within Colorado alone, it ranks 36 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
Pine Brook Hill's very high rating (98th 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 Pine Brook Hill (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 544 counted buildings into the percentiles shown above for Pine Brook Hill. For more on what direct exposure implies beyond Pine Brook Hill, see the exposure-zones guide.