Bluff, UT
How exposed is Bluff to wildfire?
USFS scores Bluff at the 47th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 358 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Bluff at the 44th percentile, close to its 47th-percentile risk score.
What "at risk" means for the buildings here
62.6% of Bluff's 358 buildings sit in USFS's Direct exposure zone, roughly 224 structures close enough to burnable vegetation for flame contact, not just embers — 37.4% fall in the Indirect, ember-only zone and 0% are Minimal.
How Bluff compares
Bluff ranks lower within Utah (7th percentile statewide) than its 47th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Bluff ranks 16,657 for wildfire risk (1 is highest) and 20,117 by building count (1 is largest). Within Utah alone, it ranks 302 of 326 places by risk. See the full county-by-county picture for Utah on its state page.
Bluff and the insurance market
Bluff's elevated wildfire rating (47th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
Bluff's 62.6% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 358 counted buildings into the percentiles shown above for Bluff. For more on what direct exposure implies beyond Bluff, see the exposure-zones guide.