Deary, ID
How exposed is Deary to wildfire?
USFS's Wildfire Risk to Communities model puts Deary at the 97th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 444 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 Deary at the 97th percentile, close to its 97th-percentile risk score.
What "at risk" means for the buildings here
Most of Deary's buildings (64.2%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
How Deary compares
Deary's risk sits at a similar level relative to Idaho (85th percentile statewide) as it does nationally (97th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Deary ranks 1,002 for wildfire risk (1 is highest) and 18,376 by building count (1 is largest). Within Idaho alone, it ranks 36 of 232 places by risk. See the full county-by-county picture for Idaho on its state page.
Deary and the insurance market
Deary's 97th-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.
What would actually reduce this score
Because 64.2% of Deary'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
Deary's 97th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Deary, see the exposure-zones guide.