Cove, UT
Cove, UT's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Cove at the 91st national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 425 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Cove at the 88th percentile, close to its 91st-percentile risk score.
Cove's building exposure, zone by zone
Direct exposure dominates in Cove: 70.6% of its 425 buildings, versus 28.7% Indirect and 0.7% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Cove ranks
Cove ranks lower within Utah (58th percentile statewide) than its 91st national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Cove ranks 2,974 for wildfire risk (1 is highest) and 18,753 by building count (1 is largest). Within Utah alone, it ranks 137 of 326 places by risk. See the full county-by-county picture for Utah on its state page.
Cove and the insurance market
Cove's 91st-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
Cove's 70.6% 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.
Where Cove's figures come from
The methodology guide shows exactly how USFS turned 425 counted buildings into the percentiles shown above for Cove. The exposure-zones guide covers what Cove's dominant direct exposure actually means, with real examples from across the dataset.