Sugarloaf, CO
Sugarloaf, CO's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Sugarloaf lands at the 99th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 223 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Sugarloaf at the 99th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Sugarloaf's building exposure, zone by zone
223 buildings are counted in Sugarloaf, and 100% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
How Sugarloaf compares
Sugarloaf scores 99th nationally and 98th within Colorado — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Sugarloaf ranks 284 for wildfire risk (1 is highest) and 24,004 by building count (1 is largest). Within Colorado alone, it ranks 11 of 472 places by risk. See the full county-by-county picture for Colorado on its state page.
Sugarloaf and the insurance market
At the 99th percentile nationally, Sugarloaf 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.
What would actually reduce this score
Sugarloaf'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.
More on how this number was built
Sugarloaf's 99th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Sugarloaf, see the exposure-zones guide.