Somerset, CO
Somerset, CO's wildfire risk, in USFS's own numbers
USFS scores Somerset at the 95th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 97 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Somerset at the 90th national percentile — 5 points below its risk-to-structures score, a gap driven by how much is actually built there.
Somerset's building exposure, zone by zone
USFS puts 90.7% of Somerset's 97 buildings in the Indirect exposure zone, versus 9.3% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Somerset ranks
There's little gap between Somerset's 95th national percentile and its 83rd percentile inside Colorado, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Somerset ranks 1,538 for wildfire risk (1 is highest) and 29,168 by building count (1 is largest). Within Colorado alone, it ranks 80 of 472 places by risk. See the full county-by-county picture for Colorado on its state page.
Somerset and the insurance market
At the 95th percentile nationally, Somerset carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Hardening a home in Somerset
Somerset's 90.7% 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.
Where Somerset's figures come from
Every one of the two percentiles behind Somerset's 1,538-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Somerset's dominant indirect exposure actually means, with real examples from across the dataset.