Winter Park, CO
Winter Park, CO's wildfire risk, in USFS's own numbers
USFS scores Winter Park at the 88th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 931 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Winter Park's burn probability — fire likelihood with no building count factored in — sits at the 85th percentile nationally.
What "at risk" means for the buildings here
55.2% of Winter Park's 931 buildings sit in USFS's Direct exposure zone, roughly 514 structures close enough to burnable vegetation for flame contact, not just embers — 44.8% fall in the Indirect, ember-only zone and 0% are Minimal.
Winter Park against the rest of the country
Winter Park's 88th national percentile looks worse in isolation than its 71st ranking inside Colorado does — this place is on the milder end for its own state, by 17 points. Among the 31,521 US communities USFS scores, Winter Park ranks 3,647 for wildfire risk (1 is highest) and 12,461 by building count (1 is largest). Within Colorado alone, it ranks 136 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
Winter Park's 88th-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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Winter Park (55.2%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Winter Park's figures come from
The methodology guide shows exactly how USFS turned 931 counted buildings into the percentiles shown above for Winter Park. The exposure-zones guide covers what Winter Park's dominant direct exposure actually means, with real examples from across the dataset.