Welby, CO
Welby wildfire risk explained
Welby sits at the 30th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 4,770 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Welby's burn probability — fire likelihood with no building count factored in — sits at the 32nd percentile nationally.
Where Welby's buildings actually sit
USFS classifies 98.2% of Welby's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 1.8% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How Welby compares
Inside Colorado, Welby sits at just the 4th percentile even though it scores 30th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Welby ranks 21,988 for wildfire risk (1 is highest) and 3,577 by building count (1 is largest). Within Colorado alone, it ranks 452 of 472 places by risk. See the full county-by-county picture for Colorado on its state page.
Welby and the insurance market
Welby's moderate wildfire rating (30th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Hardening a home in Welby
Welby's 98.2% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Welby's 30th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Welby, see the exposure-zones guide.