Rockford Bay, ID
Rockford Bay, ID's wildfire risk, in USFS's own numbers
Rockford Bay sits at the 69th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 569 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Rockford Bay at the 66th national percentile — 3 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
569 buildings are counted in Rockford Bay, and 84.5% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 10.2% rated Minimal.
Rockford Bay against the rest of the country
Rockford Bay's 69th national percentile looks worse in isolation than its 35th ranking inside Idaho does — this place is on the milder end for its own state, by 34 points. Among the 31,521 US communities USFS scores, Rockford Bay ranks 9,895 for wildfire risk (1 is highest) and 16,262 by building count (1 is largest). Within Idaho alone, it ranks 152 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 69th percentile nationally, Rockford Bay 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 84.5% of Rockford Bay in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Rockford Bay's figures come from
The methodology guide shows exactly how USFS turned 569 counted buildings into the percentiles shown above for Rockford Bay. The exposure-zones guide covers what Rockford Bay's dominant direct exposure actually means, with real examples from across the dataset.