Hobble Creek, UT
Hobble Creek, UT's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Hobble Creek lands at the 99th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 164 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hobble Creek at the 99th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Hobble Creek's buildings actually sit
Of Hobble Creek's 164 counted buildings, 100% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Hobble Creek compares
Hobble Creek scores 99th nationally and 99th within Utah — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Hobble Creek ranks 203 for wildfire risk (1 is highest) and 26,269 by building count (1 is largest). Within Utah alone, it ranks 5 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
Hobble Creek's very high rating (99th 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.
What would actually reduce this score
With 100% of Hobble Creek in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Hobble Creek's 99th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Hobble Creek, see the exposure-zones guide.