Ketchum, ID
Ketchum, ID's wildfire risk, in USFS's own numbers
Ketchum's 2,246 buildings earn a 90th-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, Ketchum's burn probability — fire likelihood with no building count factored in — sits at the 88th percentile nationally.
Ketchum's building exposure, zone by zone
2,246 buildings are counted in Ketchum, and 77.7% of them are Indirect exposure — ember-driven risk rather than the 22.3% in Direct exposure or the 0% rated Minimal.
Where Ketchum ranks
Ketchum ranks lower within Idaho (67th percentile statewide) than its 90th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Ketchum ranks 3,051 for wildfire risk (1 is highest) and 6,820 by building count (1 is largest). Within Idaho alone, it ranks 77 of 232 places by risk. See the full county-by-county picture for Idaho on its state page.
What this risk score means for insurance
At the 90th percentile nationally, Ketchum 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
With ember exposure the dominant pattern in Ketchum (77.7% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Ketchum's figures come from
Every one of the two percentiles behind Ketchum's 3,051-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Ketchum's dominant indirect exposure actually means, with real examples from across the dataset.