Todd Creek, CO
Todd Creek wildfire risk explained
Todd Creek sits at the 54th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 2,754 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Todd Creek's burn probability — fire likelihood with no building count factored in — sits at the 55th percentile nationally.
Where Todd Creek's buildings actually sit
59.4% of Todd Creek's 2,754 buildings sit in USFS's Direct exposure zone, roughly 1,635 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 40.6% are Minimal.
Where Todd Creek ranks
Todd Creek ranks lower within Colorado (23rd percentile statewide) than its 54th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Todd Creek ranks 14,393 for wildfire risk (1 is highest) and 5,842 by building count (1 is largest). Within Colorado alone, it ranks 366 of 472 places by risk. See the full county-by-county picture for Colorado on its state page.
Todd Creek and the insurance market
Todd Creek's elevated rating (54th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
With 59.4% of Todd Creek in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Todd Creek's figures come from
The methodology guide shows exactly how USFS turned 2,754 counted buildings into the percentiles shown above for Todd Creek. The exposure-zones guide covers what Todd Creek's dominant direct exposure actually means, with real examples from across the dataset.