Milford, UT
Milford wildfire risk explained
Milford's 818 buildings earn a 97th-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.)
Fire likelihood alone (USFS's burn-probability figure) ranks Milford at the 95th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Indirect exposure is dominant in Milford (94.6% of 818 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 5.4% sit in the Direct zone.
Where Milford ranks
There's little gap between Milford's 97th national percentile and its 88th percentile inside Utah, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Milford ranks 1,053 for wildfire risk (1 is highest) and 13,479 by building count (1 is largest). Within Utah alone, it ranks 41 of 326 places by risk. See the full county-by-county picture for Utah on its state page.
Shopping for coverage in Milford
Milford's 97th-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.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Milford (94.6% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Milford's 97th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Milford, see the exposure-zones guide.