Morgan, UT
How exposed is Morgan to wildfire?
USFS scores Morgan at the 87th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 1,776 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Morgan at the 84th national percentile — 3 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
USFS puts 67.2% of Morgan's 1,776 buildings in the Indirect exposure zone, versus 32.8% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Morgan compares
Morgan ranks lower within Utah (48th percentile statewide) than its 87th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Morgan ranks 4,017 for wildfire risk (1 is highest) and 8,138 by building count (1 is largest). Within Utah alone, it ranks 169 of 326 places by risk. See the full county-by-county picture for Utah on its state page.
What this risk score means for insurance
Morgan's 87th-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
Because 67.2% of Morgan's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Morgan's figures come from
The methodology guide shows exactly how USFS turned 1,776 counted buildings into the percentiles shown above for Morgan. The exposure-zones guide covers what Morgan's dominant indirect exposure actually means, with real examples from across the dataset.