Coolin, ID
How exposed is Coolin to wildfire?
Out of every US place USFS scores, Coolin lands at the 63rd percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 240 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Coolin at the 58th percentile, close to its 63rd-percentile risk score.
Where Coolin's buildings actually sit
Direct exposure dominates in Coolin: 61.7% of its 240 buildings, versus 33.8% Indirect and 4.6% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Coolin against the rest of the country
Inside Idaho, Coolin sits at just the 29th percentile even though it scores 63rd 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, Coolin ranks 11,781 for wildfire risk (1 is highest) and 23,456 by building count (1 is largest). Within Idaho alone, it ranks 164 of 232 places by risk. See the full county-by-county picture for Idaho on its state page.
What this risk score means for insurance
Coolin's 63rd-percentile, 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.
What would actually reduce this score
Coolin's 61.7% 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 Coolin's figures come from
Every one of the two percentiles behind Coolin's 11,781-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Coolin's dominant direct exposure actually means, with real examples from across the dataset.