Elwood, UT
Elwood, UT's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Elwood at the 64th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 780 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Elwood's burn probability — fire likelihood with no building count factored in — sits at the 57th percentile nationally.
Where Elwood's buildings actually sit
Most of Elwood's buildings (60.3% of 780) 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.
How Elwood compares
Elwood's 64th national percentile looks worse in isolation than its 20th ranking inside Utah does — this place is on the milder end for its own state, by 44 points. Among the 31,521 US communities USFS scores, Elwood ranks 11,519 for wildfire risk (1 is highest) and 13,821 by building count (1 is largest). Within Utah alone, it ranks 262 of 326 places by risk. See the full county-by-county picture for Utah on its state page.
What this risk score means for insurance
Elwood's high rating (64th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
Elwood's 60.3% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 780 counted buildings into the percentiles shown above for Elwood. For more on what minimal exposure implies beyond Elwood, see the exposure-zones guide.