Wiggins, CO
Wiggins wildfire risk explained
Wiggins sits at the 65th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 801 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 Wiggins at the 64th percentile, close to its 65th-percentile risk score.
Wiggins's building exposure, zone by zone
Most of Wiggins's buildings (79.5%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Where Wiggins ranks
Inside Colorado, Wiggins sits at just the 31st percentile even though it scores 65th 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, Wiggins ranks 11,179 for wildfire risk (1 is highest) and 13,617 by building count (1 is largest). Within Colorado alone, it ranks 324 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
Wiggins's 65th-percentile, 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.
What would actually reduce this score
Because 79.5% of Wiggins'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
Every one of the two percentiles behind Wiggins's 11,179-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Wiggins, see the exposure-zones guide.