Downey, ID
How exposed is Downey to wildfire?
Downey sits at the 88th 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 448 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Downey at the 89th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Most of Downey's buildings (74.3% of 448) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Downey against the rest of the country
Downey ranks lower within Idaho (63rd percentile statewide) than its 88th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Downey ranks 3,685 for wildfire risk (1 is highest) and 18,314 by building count (1 is largest). Within Idaho alone, it ranks 86 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
At the 88th percentile nationally, Downey 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
Even with 74.3% of Downey outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Downey's figures come from
Downey's 88th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Downey's dominant minimal exposure actually means, with real examples from across the dataset.