Lonetree, WY
Lonetree wildfire risk explained
Lonetree sits at the 81st 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 88 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 Lonetree at the 77th percentile, close to its 81st-percentile risk score.
What "at risk" means for the buildings here
100% of Lonetree's 88 buildings sit in USFS's Direct exposure zone, roughly 88 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Lonetree ranks
Inside Wyoming, Lonetree sits at just the 52nd percentile even though it scores 81st 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, Lonetree ranks 6,162 for wildfire risk (1 is highest) and 29,601 by building count (1 is largest). Within Wyoming alone, it ranks 92 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
Lonetree's very high rating (81st 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.
Lowering exposure, not just insuring around it
With 100% of Lonetree 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
The methodology guide shows exactly how USFS turned 88 counted buildings into the percentiles shown above for Lonetree. For more on what direct exposure implies beyond Lonetree, see the exposure-zones guide.