Irwin, ID
Irwin wildfire risk explained
Irwin sits at the 93rd 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 337 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Irwin at the 92nd national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Irwin's building exposure, zone by zone
Of Irwin's 337 counted buildings, 91.1% 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 Irwin compares
Irwin ranks lower within Idaho (75th percentile statewide) than its 93rd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Irwin ranks 2,077 for wildfire risk (1 is highest) and 20,654 by building count (1 is largest). Within Idaho alone, it ranks 60 of 232 places by risk. See the full county-by-county picture for Idaho on its state page.
Irwin and the insurance market
At the 93rd percentile nationally, Irwin 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
Irwin's 91.1% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Irwin's figures come from
Every one of the two percentiles behind Irwin's 2,077-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Irwin's dominant direct exposure actually means, with real examples from across the dataset.