Tall Timber, CO
How exposed is Tall Timber to wildfire?
USFS scores Tall Timber at the 99th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 118 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Tall Timber at the 99th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Tall Timber's buildings actually sit
118 buildings are counted in Tall Timber, 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.
Tall Timber against the rest of the country
There's little gap between Tall Timber's 99th national percentile and its 100th percentile inside Colorado, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Tall Timber ranks 226 for wildfire risk (1 is highest) and 28,233 by building count (1 is largest). Within Colorado alone, it ranks 4 of 472 places by risk. See the full county-by-county picture for Colorado on its state page.
Shopping for coverage in Tall Timber
Tall Timber's 99th-percentile, very 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
Tall Timber'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 Tall Timber's figures come from
Every one of the two percentiles behind Tall Timber's 226-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Tall Timber's dominant direct exposure actually means, with real examples from across the dataset.