Towner, CO
How exposed is Towner to wildfire?
Towner sits at the 49th 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 36 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Towner's burn probability — fire likelihood with no building count factored in — sits at the 47th percentile nationally.
Towner's building exposure, zone by zone
36 buildings are counted in Towner, and 72.2% of them are Indirect exposure — ember-driven risk rather than the 27.8% in Direct exposure or the 0% rated Minimal.
Towner against the rest of the country
Towner ranks lower within Colorado (17th percentile statewide) than its 49th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Towner ranks 16,037 for wildfire risk (1 is highest) and 31,250 by building count (1 is largest). Within Colorado alone, it ranks 393 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 49th national percentile, Towner rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Towner
Because 72.2% of Towner's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 36 counted buildings into the percentiles shown above for Towner. For more on what indirect exposure implies beyond Towner, see the exposure-zones guide.