Sawpit, CO
How exposed is Sawpit to wildfire?
Sawpit's 19 buildings earn a 86th-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 Sawpit at the 79th percentile, close to its 86th-percentile risk score.
Where Sawpit's buildings actually sit
100% of Sawpit's 19 buildings sit in USFS's Direct exposure zone, roughly 19 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 0% are Minimal. This is a small settlement by building count — 19 total — so these shares describe a handful of structures, not a statistical average across thousands.
Where Sawpit ranks
Sawpit ranks lower within Colorado (67th percentile statewide) than its 86th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Sawpit ranks 4,341 for wildfire risk (1 is highest) and 31,464 by building count (1 is largest). Within Colorado alone, it ranks 157 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
Sawpit's very high rating (86th 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
With 100% of Sawpit in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Sawpit's 86th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. At 19 buildings, Sawpit is close to the size where USFS's data gets thin — the data-quality guide explains why 517 places nationally get no score at all.