Wildfire Risk in ZIP 80439
Evergreen, Jefferson County, Colorado — a moderate-risk ZIP scored from USFS, FEMA, USGS and NIFC federal data.
Risk Score
23/100
Moderate Risk
Reviewed by Tom Hunt, Wildfire Risk Expert
Fire locations come from NIFC — they update about once a day and are not real-time. In an emergency, always follow the official orders from your local authorities. Basemap © Mapbox © OpenStreetMap.
Wildfire hazard in 80439
ZIP 80439 (Evergreen) is rated Moderate risk (23/100) — the USFS rates the risk to structures here as Moderate. Risk varies block to block, so your exact address determines your true score.
Check your exact address →Fire history near 80439
14 federally recorded wildfires (2000–2024) within 25 miles. Closest: the Black Mountain Fire (2002), 8.4 mi away. Tap any fire for quick facts.
Where this score falls
This score plotted on the full wildfire-risk scale.
Risk varies block to block in Evergreen (80439)
This score is for the area. Your street, slope, and defensible space change it a lot — check your exact address for a free, instant home-level score, map, and report.
What Evergreen (80439) wildfire risk means for your insurance
Maximum potential savings
$1,696/yr
Across 10 programs — confirm eligibility with your carrier
Annual discounts + one-time grants averaged over 5 yrs · discounts may not all stack
$556recurring/yr
$5,700one-time grants
IBHS Wildfire Prepared Home™ (CO Carrier Discounts)
10–25% premium reductionState Farm, Farmers, and Allstate Colorado offer among the highest IBHS discounts in the nation due to elevated WUI premiums after the Marshall and East Troublesome fires. Average CO WUI homeowner saves $600–900/yr on a $4,000–5,000 annual premium.
✓ Colorado WUI homeowners — confirm specific discount amount with your carrier before certifying
Firewise USA Community Discount
5–15% premium reductionResidents of NFPA-recognized Firewise USA communities qualify for discounts from State Farm, Farmers, and many regional carriers. Over 1,600 communities are recognized nationwide. Check firewise.org/find-a-firewise-community to see if yours qualifies.
✓ Residents of officially recognized Firewise USA communities — verify with your carrier
Documented Defensible Space Discount
5–12% premium reductionMost WUI carriers offer standalone discounts for documented Zone 1, 2 & 3 clearance — no full IBHS cert required. Submit dated before/after photos plus a contractor invoice or county assessment letter to your agent.
✓ Contact your carrier — requires written documentation of Zone 1 (0–5ft), Zone 2 (5–30ft), and Zone 3 (30–100ft) clearance
Class A Fire-Rated Roofing Discount
3–8% premium reductionMetal, concrete tile, or Class A composition shingles eliminate ember ignition from above and qualify for carrier discounts in all wildfire states. Provide your carrier a letter from the roofing contractor confirming the UL Class A rating.
✓ New or recently replaced roofs — ask your carrier for their fire-rating documentation requirements
Home Hardening & Fire-Resistant Materials Discount
3–12% premium reductionDocumenting fire-resistant upgrades — fiber cement siding, metal gutters, dual-pane tempered windows, enclosed eaves, and 1/16" ember-resistant vents — can qualify for additional carrier discounts. Bundle with defensible space docs for maximum combined discount.
✓ Ask your carrier for their home hardening checklist and documentation requirements
CO Wildfire Mitigation Tax Credit (CRS 39-22-543)
Up to $2,500 (25% of expenses)Colorado’s 25% tax credit on qualified wildfire mitigation expenses covers defensible space, home hardening, and fuels reduction. The credit can be carried forward up to 5 years. File with CO Form DR 1303. See tax.colorado.gov for eligible expense categories.
✓ Colorado residents with qualifying mitigation expenses — verify current year limits at tax.colorado.gov
CSFS Cost-Share Grant (50% reimbursement)
Up to $5,000Colorado State Forest Service reimburses 50% of defensible space and fuels reduction costs. Front Range CSFS districts (Jefferson, Larimer, El Paso) frequently exhaust funds by Q2 — apply in January. Rural districts may have more availability.
✓ Colorado private landowners — contact your CSFS district at csfs.colostate.edu
USDA NRCS EQIP Fuels Reduction Grant
Up to $150,000 (agricultural land)USDA Natural Resources Conservation Service pays 50–75% of wildfire-related conservation work (prescribed burns, thinning, silvopasture) on active agricultural land through EQIP. Application windows open annually in fall. NOTE: requires USDA Farm Service Agency farm/tract number — not available to most residential homeowners.
✓ Active agricultural producers and rural farm operators only — find your NRCS office at nrcs.usda.gov
USDA Forest Service State Fire Assistance (SFA)
Passthrough to state programsUSDA Forest Service SFA grants flow to every state forestry agency, which distributes them as cost-share programs and grants. This is the federal funding source behind the state-specific programs listed here — you apply through your state forestry agency, not directly to USFS.
✓ Applied through your state’s forestry agency — see state-specific programs above
County Mitigation Rebate Programs
$500–2,500 (varies by county)Boulder County’s Wildfire Partners, Jefferson County’s Wildfire Adapted Partnership, and programs in Larimer and El Paso counties offer free assessments and rebates for completed mitigation work. Jefferson County provides up to $2,500.
✓ Check your county emergency management or local fire district website for current status
Savings are estimates. Verify current amounts with your insurance carrier, CSFS district office, or tax professional before committing to work.
What wildfire risk does to this home's value
Beyond premiums, wildfire risk is capitalized into market value — buyers pay less for homes that cost more to insure and carry a disclosed hazard. Adjust the value below to estimate the impact on a moderate-risk home.
Estimated value impact
−$0 to −$6K
roughly 0.0%–1.0% of value
The durable effect of a standing moderate-risk designation — not the larger, temporary drop right after a nearby fire, which typically recovers in 1–3 years.
Insurance carrying cost
~$270/yr
Estimated added wildfire premium. Capitalized at a 7% rate, that recurring cost alone reduces value by about $3,857 — the mechanism behind much of the discount.
Market & disclosure discount
0.0%–1.0%
Peer-reviewed CA data finds homes with a disclosed wildfire hazard sell for ~4–6% less; Redfin finds high-risk ZIPs now trade at a discount after years of slower appreciation.
Estimate, not an appraisal. Modeled from your risk tier and an adjustable home value, using insurance-cost capitalization and published wildfire price-discount research (Land Economics 2024 / RFF; GAO-26-107867; Redfin; Eastman-Kim 2024). Individual homes vary with hardening, views, and local demand. Methodology & sources on the methodology page.
Moderate risk today. Fire season is getting longer every year.
Risk classifications can change after a single bad fire season. Lock in favorable rates now, before your ZIP is reclassified.
What happens if you wait
High-risk homeowners have faced steep rate increases in recent years. Non-standard market policies — when you can find them — often cost substantially more.
Insurers have filed hundreds of thousands of non-renewals in fire-risk areas in recent years. Notices typically arrive ~60 days before expiration.
IBHS-certified homes may qualify for premium reductions with participating carriers. Discounts vary by carrier, state, and property.
Research suggests homes with elevated fire risk can sell below comparable homes, as buyers price in insurance cost. Individual results vary.
See your options before rates change.
We match Colorado homeowners with licensed agents who write moderate-risk wildfire homes. Start with your email — we’ll send your comparison and, if you want, connect you with an agent. Free, no obligation.
$556/yr — typical savings when Colorado homeowners compare carriers.
Lower your wildfire risk in Evergreen (80439)
Get a certified fire mitigation contractor in Jefferson County
We connect you with trusted, locally-licensed crews who do the physical work that lowers your risk score — and document it so your insurer and Colorado's grant programs recognize it.
What your contractor handles
On-site evaluation of all three zones, documented to insurer and state standards.
Ladder-fuel removal, tree limbing, and brush clearing by trained crews.
Ember-resistant vents, gutter guards, and Zone 1 non-combustible retrofits.
Documentation that unlocks carrier discounts and state grant reimbursements.
Book a free defensible space assessment
Most certified contractors assess at no cost. The visit documents your property to the standard insurers require — and 1 of your recommended actions qualify for Colorado grant or rebate funding.
$0
assessment
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Contractor Matching — Coming Soon
We're building out our contractor network. Check back soon to connect with a certified crew.
✓ Licensed & insured crews
✓ Serving Jefferson County
✓ No obligation
Defensible space & home hardening →
The specific work that measurably lowers your score — with the grants and tax credits that pay for it.
Is there a fire near Evergreen (80439) right now?
The map above shows active fires from NIFC. For live evacuation alerts, smoke, and incident updates, these official sources are the fastest:
ZIP 80439 wildfire FAQ
Is ZIP code 80439 in a high wildfire risk area?
ZIP 80439 (Evergreen, CO) carries a Moderate wildfire risk rating (23/100) based on USFS Wildfire Risk to Communities, FEMA, terrain, and recorded fire history. Risk varies street to street — check your exact address for a precise score.
How do I check the fire risk for a specific address in 80439?
Enter the street address into FireRisk.ai for a free instant report — your exact 0–100 score, a defensible-space map, nearby fire history, and your insurance and mitigation options.
Does ZIP 80439 affect home insurance?
Yes — federal hazard data like this informs insurer and catastrophe modeler inputs in the Evergreen area, and rising-risk ZIPs have seen premium increases and non-renewals. Documenting defensible space and home hardening can unlock discounts and help keep coverage.
Other Colorado ZIP codes
Know your home's exact wildfire risk
Street-level risk in ZIP 80439 varies enormously. Get your address's precise score, defensible-space map, and insurance options — free, in 30 seconds.
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