Swink, CO
Swink wildfire risk explained
USFS scores Swink at the 58th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 381 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Swink at the 56th percentile, close to its 58th-percentile risk score.
Where Swink's buildings actually sit
381 buildings are counted in Swink, and 73.2% of them are Indirect exposure — ember-driven risk rather than the 3.4% in Direct exposure or the 23.4% rated Minimal.
How Swink compares
Swink's 58th national percentile looks worse in isolation than its 26th ranking inside Colorado does — this place is on the milder end for its own state, by 31 points. Among the 31,521 US communities USFS scores, Swink ranks 13,355 for wildfire risk (1 is highest) and 19,614 by building count (1 is largest). Within Colorado alone, it ranks 350 of 472 places by risk. See the full county-by-county picture for Colorado on its state page.
Swink and the insurance market
Swink's elevated wildfire rating (58th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Swink (73.2% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Swink's 58th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Swink, see the exposure-zones guide.