Lowman, ID
How exposed is Lowman to wildfire?
USFS's Wildfire Risk to Communities model puts Lowman at the 95th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 87 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Lowman at the 95th percentile, close to its 95th-percentile risk score.
Where Lowman's buildings actually sit
83.9% of Lowman's 87 buildings sit in USFS's Direct exposure zone, roughly 73 structures close enough to burnable vegetation for flame contact, not just embers — 16.1% fall in the Indirect, ember-only zone and 0% are Minimal.
How Lowman compares
There's little gap between Lowman's 95th national percentile and its 81st percentile inside Idaho, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Lowman ranks 1,479 for wildfire risk (1 is highest) and 29,608 by building count (1 is largest). Within Idaho alone, it ranks 46 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
Lowman's very high rating (95th 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
Lowman's 83.9% 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.
More on how this number was built
Lowman's 95th-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 Lowman, see the exposure-zones guide.