Guernsey, WY
Guernsey wildfire risk explained
Guernsey sits at the 90th 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 892 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Guernsey at the 90th percentile, close to its 90th-percentile risk score.
What "at risk" means for the buildings here
96.2% of Guernsey's 892 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 3.8% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
How Guernsey compares
There's little gap between Guernsey's 90th national percentile and its 90th percentile inside Wyoming, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Guernsey ranks 3,200 for wildfire risk (1 is highest) and 12,796 by building count (1 is largest). Within Wyoming alone, it ranks 20 of 192 places by risk. See the full county-by-county picture for Wyoming on its state page.
What this risk score means for insurance
Guernsey's 90th-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.
Hardening a home in Guernsey
Guernsey's 96.2% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Guernsey's figures come from
The methodology guide shows exactly how USFS turned 892 counted buildings into the percentiles shown above for Guernsey. The exposure-zones guide covers what Guernsey's dominant indirect exposure actually means, with real examples from across the dataset.