Silverthorne, CO
Silverthorne, CO's wildfire risk, in USFS's own numbers
USFS scores Silverthorne at the 46th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 1,991 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Silverthorne at the 44th percentile, close to its 46th-percentile risk score.
Silverthorne's building exposure, zone by zone
USFS puts 54.5% of Silverthorne's 1,991 buildings in the Indirect exposure zone, versus 45.3% Direct and 0.2% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Silverthorne against the rest of the country
Silverthorne's 46th national percentile looks worse in isolation than its 13th ranking inside Colorado does — this place is on the milder end for its own state, by 33 points. Among the 31,521 US communities USFS scores, Silverthorne ranks 16,948 for wildfire risk (1 is highest) and 7,509 by building count (1 is largest). Within Colorado alone, it ranks 410 of 472 places by risk. See the full county-by-county picture for Colorado on its state page.
Silverthorne and the insurance market
Silverthorne's elevated rating (46th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Because 54.5% of Silverthorne's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Silverthorne's figures come from
The methodology guide shows exactly how USFS turned 1,991 counted buildings into the percentiles shown above for Silverthorne. The exposure-zones guide covers what Silverthorne's dominant indirect exposure actually means, with real examples from across the dataset.