St. Ann Highlands, CO
St. Ann Highlands wildfire risk explained
USFS scores St. Ann Highlands at the 99th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 223 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks St. Ann Highlands at the 98th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
St. Ann Highlands's building exposure, zone by zone
Direct exposure dominates in St. Ann Highlands: 100% of its 223 buildings, versus 0% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where St. Ann Highlands ranks
There's little gap between St. Ann Highlands's 99th national percentile and its 95th percentile inside Colorado, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, St. Ann Highlands ranks 379 for wildfire risk (1 is highest) and 24,003 by building count (1 is largest). Within Colorado alone, it ranks 26 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
At the 99th percentile nationally, St. Ann Highlands 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 St. Ann Highlands
St. Ann Highlands's 100% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where St. Ann Highlands's figures come from
St. Ann Highlands's 99th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what St. Ann Highlands's dominant direct exposure actually means, with real examples from across the dataset.