Riverside, UT
Riverside wildfire risk explained
USFS's Wildfire Risk to Communities model puts Riverside at the 81st national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 600 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Riverside at the 79th percentile, close to its 81st-percentile risk score.
Where Riverside's buildings actually sit
Riverside rates 58.5% Minimal exposure against just 40.7% Direct and 0.8% Indirect — of 600 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Riverside against the rest of the country
Inside Utah, Riverside sits at just the 41st percentile even though it scores 81st nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Riverside ranks 5,941 for wildfire risk (1 is highest) and 15,843 by building count (1 is largest). Within Utah alone, it ranks 193 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
Riverside's 81st-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.
Lowering exposure, not just insuring around it
Even with 58.5% of Riverside outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 600 counted buildings into the percentiles shown above for Riverside. For more on what minimal exposure implies beyond Riverside, see the exposure-zones guide.