Woody Creek, CO
Woody Creek, CO's wildfire risk, in USFS's own numbers
USFS scores Woody Creek at the 85th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 199 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Woody Creek's burn probability — fire likelihood with no building count factored in — sits at the 81st percentile nationally.
Where Woody Creek's buildings actually sit
199 buildings are counted in Woody Creek, and 80.4% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Woody Creek against the rest of the country
Woody Creek's 85th national percentile looks worse in isolation than its 65th ranking inside Colorado does — this place is on the milder end for its own state, by 20 points. Among the 31,521 US communities USFS scores, Woody Creek ranks 4,693 for wildfire risk (1 is highest) and 24,878 by building count (1 is largest). Within Colorado alone, it ranks 165 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
Woody Creek's 85th-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.
What would actually reduce this score
With 80.4% of Woody Creek in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Woody Creek's 4,693-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Woody Creek, see the exposure-zones guide.