Bear River, WY
How exposed is Bear River to wildfire?
Bear River's 451 buildings earn a 82nd-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Bear River at the 78th percentile, close to its 82nd-percentile risk score.
What "at risk" means for the buildings here
Direct exposure dominates in Bear River: 100% of its 451 buildings, versus 0% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Bear River against the rest of the country
Bear River ranks lower within Wyoming (56th percentile statewide) than its 82nd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Bear River ranks 5,815 for wildfire risk (1 is highest) and 18,270 by building count (1 is largest). Within Wyoming alone, it ranks 85 of 192 places by risk. See the full county-by-county picture for Wyoming on its state page.
What this risk score means for insurance
Bear River's very high rating (82nd percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Hardening a home in Bear River
Bear River's 100% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Bear River's figures come from
Bear River's 82nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Bear River's dominant direct exposure actually means, with real examples from across the dataset.