Fernan Lake Village, ID
Fernan Lake Village wildfire risk explained
Out of every US place USFS scores, Fernan Lake Village lands at the 58th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 79 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Fernan Lake Village at the 52nd percentile, close to its 58th-percentile risk score.
Where Fernan Lake Village's buildings actually sit
Most of Fernan Lake Village's buildings (89.9%) 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 Fernan Lake Village compares
Fernan Lake Village's 58th national percentile looks worse in isolation than its 23rd ranking inside Idaho does — this place is on the milder end for its own state, by 35 points. Among the 31,521 US communities USFS scores, Fernan Lake Village ranks 13,265 for wildfire risk (1 is highest) and 29,908 by building count (1 is largest). Within Idaho alone, it ranks 178 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
Fernan Lake Village's elevated rating (58th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Fernan Lake Village
Because 89.9% of Fernan Lake Village'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
Every one of the two percentiles behind Fernan Lake Village's 13,265-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Fernan Lake Village, see the exposure-zones guide.