Millcreek, UT
Millcreek wildfire risk explained
Millcreek's 21,611 buildings earn a 98th-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, Millcreek's burn probability — fire likelihood with no building count factored in — sits at the 95th percentile nationally.
Where Millcreek's buildings actually sit
USFS classifies 70.6% of Millcreek's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 3.4% Direct and 26% Indirect — a landscape-level risk rather than a building-by-building one. At 21,611 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Millcreek against the rest of the country
Millcreek's risk sits at a similar level relative to Utah (94th percentile statewide) as it does nationally (98th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Millcreek ranks 674 for wildfire risk (1 is highest) and 640 by building count (1 is largest). Within Utah alone, it ranks 22 of 326 places by risk. See the full county-by-county picture for Utah on its state page.
Millcreek and the insurance market
Millcreek's very high rating (98th 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
Even with 70.6% of Millcreek 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
Millcreek's 98th-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 Millcreek, see the exposure-zones guide.