Crystal Bay, NV
How exposed is Crystal Bay to wildfire?
Crystal Bay sits at the 93rd percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 256 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Crystal Bay at the 90th percentile, close to its 93rd-percentile risk score.
Crystal Bay's building exposure, zone by zone
256 buildings are counted in Crystal Bay, and 70.7% of them are Indirect exposure — ember-driven risk rather than the 26.6% in Direct exposure or the 2.7% rated Minimal.
Crystal Bay against the rest of the country
Crystal Bay's 93rd national percentile looks worse in isolation than its 51st ranking inside Nevada does — this place is on the milder end for its own state, by 42 points. Among the 31,521 US communities USFS scores, Crystal Bay ranks 2,236 for wildfire risk (1 is highest) and 22,949 by building count (1 is largest). Within Nevada alone, it ranks 61 of 123 places by risk. See the full county-by-county picture for Nevada on its state page.
What this risk score means for insurance
At the 93rd percentile nationally, Crystal Bay carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Crystal Bay (70.7% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Crystal Bay's figures come from
Every one of the two percentiles behind Crystal Bay's 2,236-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Crystal Bay's dominant indirect exposure actually means, with real examples from across the dataset.