Chugcreek, WY
Chugcreek wildfire risk explained
USFS scores Chugcreek at the 77th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 129 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Chugcreek's burn probability — fire likelihood with no building count factored in — sits at the 75th percentile nationally.
Chugcreek's building exposure, zone by zone
Direct exposure dominates in Chugcreek: 94.6% of its 129 buildings, versus 5.4% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Chugcreek ranks
Inside Wyoming, Chugcreek sits at just the 42nd percentile even though it scores 77th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Chugcreek ranks 7,202 for wildfire risk (1 is highest) and 27,779 by building count (1 is largest). Within Wyoming alone, it ranks 110 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
Chugcreek's high rating (77th 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.
Lowering exposure, not just insuring around it
Chugcreek's 94.6% 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
Every one of the two percentiles behind Chugcreek's 7,202-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Chugcreek, see the exposure-zones guide.