Towaoc, CO
Towaoc, CO's wildfire risk, in USFS's own numbers
USFS scores Towaoc at the 87th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 480 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Towaoc at the 83rd national percentile — 4 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Towaoc's buildings actually sit
Of Towaoc's 480 counted buildings, 70.2% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Towaoc compares
Towaoc ranks lower within Colorado (68th percentile statewide) than its 87th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Towaoc ranks 4,246 for wildfire risk (1 is highest) and 17,699 by building count (1 is largest). Within Colorado alone, it ranks 154 of 472 places by risk. See the full county-by-county picture for Colorado on its state page.
What this risk score means for insurance
At the 87th percentile nationally, Towaoc 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
Because Direct exposure dominates in Towaoc (70.2%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Towaoc's figures come from
The methodology guide shows exactly how USFS turned 480 counted buildings into the percentiles shown above for Towaoc. The exposure-zones guide covers what Towaoc's dominant direct exposure actually means, with real examples from across the dataset.