San Luis, CO
San Luis, CO's wildfire risk, in USFS's own numbers
San Luis sits at the 51st 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 492 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks San Luis at the 47th national percentile — 4 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where San Luis's buildings actually sit
492 buildings are counted in San Luis, and 88.2% of them are Indirect exposure — ember-driven risk rather than the 11.8% in Direct exposure or the 0% rated Minimal.
How San Luis compares
San Luis's 51st national percentile looks worse in isolation than its 20th ranking inside Colorado does — this place is on the milder end for its own state, by 31 points. Among the 31,521 US communities USFS scores, San Luis ranks 15,436 for wildfire risk (1 is highest) and 17,492 by building count (1 is largest). Within Colorado alone, it ranks 379 of 472 places by risk. See the full county-by-county picture for Colorado on its state page.
San Luis and the insurance market
At the 51st national percentile, San Luis rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
San Luis's 88.2% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 492 counted buildings into the percentiles shown above for San Luis. For more on what indirect exposure implies beyond San Luis, see the exposure-zones guide.