Murphy, ID
Murphy, ID's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Murphy lands at the 98th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 101 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Murphy's burn probability — fire likelihood with no building count factored in — sits at the 98th percentile nationally.
Where Murphy's buildings actually sit
Direct exposure dominates in Murphy: 62.4% of its 101 buildings, versus 37.6% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Murphy against the rest of the country
Murphy scores 98th nationally and 89th within Idaho — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Murphy ranks 696 for wildfire risk (1 is highest) and 28,987 by building count (1 is largest). Within Idaho alone, it ranks 26 of 232 places by risk. See the full county-by-county picture for Idaho on its state page.
Murphy and the insurance market
At the 98th percentile nationally, Murphy 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.
What would actually reduce this score
Murphy's 62.4% 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
The methodology guide shows exactly how USFS turned 101 counted buildings into the percentiles shown above for Murphy. For more on what direct exposure implies beyond Murphy, see the exposure-zones guide.