Yampa, CO
How exposed is Yampa to wildfire?
USFS's Wildfire Risk to Communities model puts Yampa at the 71st national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 401 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Yampa's burn probability — fire likelihood with no building count factored in — sits at the 67th percentile nationally.
What "at risk" means for the buildings here
USFS puts 87% of Yampa's 401 buildings in the Indirect exposure zone, versus 13% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Yampa ranks
Yampa ranks lower within Colorado (39th percentile statewide) than its 71st national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Yampa ranks 9,069 for wildfire risk (1 is highest) and 19,180 by building count (1 is largest). Within Colorado alone, it ranks 290 of 472 places by risk. See the full county-by-county picture for Colorado on its state page.
Yampa and the insurance market
Yampa's 71st-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.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Yampa (87% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
The methodology guide shows exactly how USFS turned 401 counted buildings into the percentiles shown above for Yampa. For more on what indirect exposure implies beyond Yampa, see the exposure-zones guide.