Red Feather Lakes, CO
Red Feather Lakes wildfire risk explained
USFS scores Red Feather Lakes at the 95th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 1,153 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Red Feather Lakes's burn probability — fire likelihood with no building count factored in — sits at the 93rd percentile nationally.
Red Feather Lakes's building exposure, zone by zone
Direct exposure dominates in Red Feather Lakes: 97.8% of its 1,153 buildings, versus 2.3% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Red Feather Lakes ranks
Red Feather Lakes scores 95th nationally and 83rd within Colorado — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Red Feather Lakes ranks 1,698 for wildfire risk (1 is highest) and 10,930 by building count (1 is largest). Within Colorado alone, it ranks 83 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
Red Feather Lakes's very high rating (95th 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
Red Feather Lakes's 97.8% 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.
More on how this number was built
Every one of the two percentiles behind Red Feather Lakes's 1,698-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Red Feather Lakes, see the exposure-zones guide.