New Harmony, UT
How exposed is New Harmony to wildfire?
New Harmony's 191 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.)
Fire likelihood alone (USFS's burn-probability figure) ranks New Harmony at the 96th national percentile — 2 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
Direct exposure dominates in New Harmony: 93.7% of its 191 buildings, versus 6.3% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where New Harmony ranks
New Harmony scores 98th nationally and 94th within Utah — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, New Harmony ranks 675 for wildfire risk (1 is highest) and 25,223 by building count (1 is largest). Within Utah alone, it ranks 23 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
New Harmony'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.
Hardening a home in New Harmony
New Harmony's 93.7% 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
New Harmony'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 direct exposure implies beyond New Harmony, see the exposure-zones guide.