Riggins, ID
How exposed is Riggins to wildfire?
USFS scores Riggins at the 95th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 421 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Riggins's burn probability — fire likelihood with no building count factored in — sits at the 95th percentile nationally.
Riggins's building exposure, zone by zone
USFS puts 82.2% of Riggins's 421 buildings in the Indirect exposure zone, versus 16.6% Direct and 1.2% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Riggins ranks
Riggins ranks lower within Idaho (77th percentile statewide) than its 95th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Riggins ranks 1,726 for wildfire risk (1 is highest) and 18,799 by building count (1 is largest). Within Idaho alone, it ranks 54 of 232 places by risk. See the full county-by-county picture for Idaho on its state page.
What this risk score means for insurance
At the 95th percentile nationally, Riggins 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
Riggins's 82.2% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Riggins's figures come from
Riggins's 95th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Riggins's dominant indirect exposure actually means, with real examples from across the dataset.