Rafter J Ranch, WY
How exposed is Rafter J Ranch to wildfire?
Out of every US place USFS scores, Rafter J Ranch lands at the 84th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 485 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Rafter J Ranch's burn probability — fire likelihood with no building count factored in — sits at the 82nd percentile nationally.
Rafter J Ranch's building exposure, zone by zone
Direct exposure dominates in Rafter J Ranch: 61.2% of its 485 buildings, versus 38.8% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Rafter J Ranch against the rest of the country
Rafter J Ranch ranks lower within Wyoming (64th percentile statewide) than its 84th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Rafter J Ranch ranks 5,186 for wildfire risk (1 is highest) and 17,626 by building count (1 is largest). Within Wyoming alone, it ranks 69 of 192 places by risk. See the full county-by-county picture for Wyoming on its state page.
What this risk score means for insurance
Rafter J Ranch's 84th-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.
Hardening a home in Rafter J Ranch
Because Direct exposure dominates in Rafter J Ranch (61.2%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Rafter J Ranch's figures come from
The methodology guide shows exactly how USFS turned 485 counted buildings into the percentiles shown above for Rafter J Ranch. The exposure-zones guide covers what Rafter J Ranch's dominant direct exposure actually means, with real examples from across the dataset.