Stonegate, CO
How exposed is Stonegate to wildfire?
Stonegate sits at the 72nd percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 2,804 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Stonegate at the 72nd national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
USFS classifies 73.7% of Stonegate's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 8.4% Direct and 18% Indirect — a landscape-level risk rather than a building-by-building one.
Where Stonegate ranks
Stonegate ranks lower within Colorado (40th percentile statewide) than its 72nd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Stonegate ranks 8,754 for wildfire risk (1 is highest) and 5,757 by building count (1 is largest). Within Colorado alone, it ranks 283 of 472 places by risk. See the full county-by-county picture for Colorado on its state page.
Stonegate and the insurance market
Stonegate's 72nd-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
Stonegate's 73.7% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Stonegate's figures come from
Every one of the two percentiles behind Stonegate's 8,754-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Stonegate's dominant minimal exposure actually means, with real examples from across the dataset.