Simla, CO
Simla wildfire risk explained
Simla's 471 buildings earn a 82nd-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 Simla at the 81st percentile, close to its 82nd-percentile risk score.
Simla's building exposure, zone by zone
Most of Simla's buildings (72%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
How Simla compares
Simla's 82nd national percentile looks worse in isolation than its 59th ranking inside Colorado does — this place is on the milder end for its own state, by 23 points. Among the 31,521 US communities USFS scores, Simla ranks 5,541 for wildfire risk (1 is highest) and 17,849 by building count (1 is largest). Within Colorado alone, it ranks 192 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
Simla's very high rating (82nd 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
Because 72% of Simla'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 Simla's figures come from
Every one of the two percentiles behind Simla's 5,541-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Simla's dominant indirect exposure actually means, with real examples from across the dataset.