Coalville, UT
Coalville wildfire risk explained
USFS scores Coalville at the 90th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 980 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 Coalville at the 87th percentile, close to its 90th-percentile risk score.
Coalville's building exposure, zone by zone
USFS puts 52.5% of Coalville's 980 buildings in the Indirect exposure zone, versus 47.6% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Coalville against the rest of the country
Coalville ranks lower within Utah (57th percentile statewide) than its 90th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Coalville ranks 3,035 for wildfire risk (1 is highest) and 12,075 by building count (1 is largest). Within Utah alone, it ranks 142 of 326 places by risk. See the full county-by-county picture for Utah on its state page.
What this risk score means for insurance
Coalville's 90th-percentile, very 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
Because 52.5% of Coalville's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 980 counted buildings into the percentiles shown above for Coalville. For more on what indirect exposure implies beyond Coalville, see the exposure-zones guide.