Mona, UT
How exposed is Mona to wildfire?
Out of every US place USFS scores, Mona lands at the 95th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 797 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Mona at the 94th percentile, close to its 95th-percentile risk score.
Where Mona's buildings actually sit
Direct exposure dominates in Mona: 60.5% of its 797 buildings, versus 39.5% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Mona ranks
Mona's risk sits at a similar level relative to Utah (82nd percentile statewide) as it does nationally (95th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Mona ranks 1,496 for wildfire risk (1 is highest) and 13,669 by building count (1 is largest). Within Utah alone, it ranks 60 of 326 places by risk. See the full county-by-county picture for Utah on its state page.
Mona and the insurance market
At the 95th percentile nationally, Mona 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
Mona's 60.5% 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
Mona'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 Mona, see the exposure-zones guide.