Victor, CO
Victor, CO's wildfire risk, in USFS's own numbers
Victor sits at the 97th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 435 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Victor at the 96th percentile, close to its 97th-percentile risk score.
What "at risk" means for the buildings here
USFS puts 63.7% of Victor's 435 buildings in the Indirect exposure zone, versus 36.3% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Victor ranks
There's little gap between Victor's 97th national percentile and its 87th percentile inside Colorado, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Victor ranks 1,069 for wildfire risk (1 is highest) and 18,544 by building count (1 is largest). Within Colorado alone, it ranks 65 of 472 places by risk. See the full county-by-county picture for Colorado on its state page.
Shopping for coverage in Victor
Victor's 97th-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.
Hardening a home in Victor
Victor's 63.7% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Victor's figures come from
Victor's 97th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Victor's dominant indirect exposure actually means, with real examples from across the dataset.