Pine Valley, CO
Pine Valley wildfire risk explained
Pine Valley's 206 buildings earn a 98th-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.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Pine Valley at the 97th percentile, close to its 98th-percentile risk score.
Pine Valley's building exposure, zone by zone
100% of Pine Valley's 206 buildings sit in USFS's Direct exposure zone, roughly 206 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 Valley against the rest of the country
Pine Valley's risk sits at a similar level relative to Colorado (91st percentile statewide) as it does nationally (98th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Pine Valley ranks 692 for wildfire risk (1 is highest) and 24,632 by building count (1 is largest). Within Colorado alone, it ranks 47 of 472 places by risk. See the full county-by-county picture for Colorado on its state page.
Pine Valley and the insurance market
Pine Valley's 98th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Hardening a home in Pine Valley
Because Direct exposure dominates in Pine Valley (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Pine Valley's figures come from
The methodology guide shows exactly how USFS turned 206 counted buildings into the percentiles shown above for Pine Valley. The exposure-zones guide covers what Pine Valley's dominant direct exposure actually means, with real examples from across the dataset.