Fernley, NV
Fernley wildfire risk explained
USFS's Wildfire Risk to Communities model puts Fernley at the 89th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 8,821 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 Fernley at the 91st percentile, close to its 89th-percentile risk score.
Fernley's building exposure, zone by zone
USFS puts 88.3% of Fernley's 8,821 buildings in the Indirect exposure zone, versus 11.7% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to. At 8,821 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Fernley against the rest of the country
Fernley ranks lower within Nevada (45th percentile statewide) than its 89th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Fernley ranks 3,406 for wildfire risk (1 is highest) and 1,888 by building count (1 is largest). Within Nevada alone, it ranks 68 of 123 places by risk. See the full county-by-county picture for Nevada on its state page.
Fernley and the insurance market
At the 89th percentile nationally, Fernley 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
Because 88.3% of Fernley'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
Fernley's 89th-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 Fernley, see the exposure-zones guide.