Cottonwood, ID
Cottonwood, ID's wildfire risk, in USFS's own numbers
USFS scores Cottonwood at the 68th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 613 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Cottonwood at the 69th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Cottonwood's building exposure, zone by zone
75.4% of Cottonwood's 613 buildings sit in USFS's Minimal exposure zone, with only 24.6% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Cottonwood ranks
Cottonwood ranks lower within Idaho (33rd percentile statewide) than its 68th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Cottonwood ranks 10,111 for wildfire risk (1 is highest) and 15,654 by building count (1 is largest). Within Idaho alone, it ranks 155 of 232 places by risk. See the full county-by-county picture for Idaho on its state page.
Shopping for coverage in Cottonwood
Cottonwood's 68th-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.
Hardening a home in Cottonwood
With 75.4% of buildings rated Minimal exposure, Cottonwood gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Cottonwood's 68th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Cottonwood, see the exposure-zones guide.