Saddle Ridge, CO
Saddle Ridge wildfire risk explained
Saddle Ridge sits at the 52nd percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 34 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Saddle Ridge at the 52nd 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
Of Saddle Ridge's 34 counted buildings, 100% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Saddle Ridge compares
Saddle Ridge ranks lower within Colorado (21st percentile statewide) than its 52nd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Saddle Ridge ranks 15,056 for wildfire risk (1 is highest) and 31,288 by building count (1 is largest). Within Colorado alone, it ranks 375 of 472 places by risk. See the full county-by-county picture for Colorado on its state page.
Saddle Ridge and the insurance market
At the 52nd national percentile, Saddle Ridge rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Because Direct exposure dominates in Saddle Ridge (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Saddle Ridge's figures come from
Saddle Ridge's 52nd-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 Saddle Ridge's dominant direct exposure actually means, with real examples from across the dataset.