Naples, UT
How exposed is Naples to wildfire?
USFS scores Naples at the 65th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 1,480 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Naples at the 66th percentile, close to its 65th-percentile risk score.
Naples's building exposure, zone by zone
USFS puts 45% of Naples's 1,480 buildings in the Indirect exposure zone, versus 44.1% Direct and 11% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Naples ranks
Naples's 65th national percentile looks worse in isolation than its 23rd ranking inside Utah does — this place is on the milder end for its own state, by 43 points. Among the 31,521 US communities USFS scores, Naples ranks 10,922 for wildfire risk (1 is highest) and 9,254 by building count (1 is largest). Within Utah alone, it ranks 253 of 326 places by risk. See the full county-by-county picture for Utah on its state page.
Shopping for coverage in Naples
At the 65th percentile nationally, Naples carries the 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
With ember exposure the dominant pattern in Naples (45% 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
Every one of the two percentiles behind Naples's 10,922-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Naples, see the exposure-zones guide.