Kearns, UT
Kearns, UT's wildfire risk, in USFS's own numbers
Kearns's 11,516 buildings earn a 83rd-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Kearns's burn probability — fire likelihood with no building count factored in — sits at the 82nd percentile nationally.
Kearns's building exposure, zone by zone
99.3% of Kearns's 11,516 buildings sit in USFS's Minimal exposure zone, with only 0.7% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself. At 11,516 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Kearns against the rest of the country
Inside Utah, Kearns sits at just the 43rd percentile even though it scores 83rd nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Kearns ranks 5,312 for wildfire risk (1 is highest) and 1,366 by building count (1 is largest). Within Utah alone, it ranks 187 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
Kearns's 83rd-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 Kearns
Even with 99.3% of Kearns outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Kearns's 83rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Kearns, see the exposure-zones guide.