Roy, UT
How exposed is Roy to wildfire?
USFS's Wildfire Risk to Communities model puts Roy at the 58th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 13,568 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Roy at the 59th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Most of Roy's buildings (95.1% of 13,568) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure. At 13,568 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Roy ranks
Inside Utah, Roy sits at just the 15th percentile even though it scores 58th 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, Roy ranks 13,347 for wildfire risk (1 is highest) and 1,116 by building count (1 is largest). Within Utah alone, it ranks 278 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
Roy's elevated wildfire rating (58th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
With 95.1% of buildings rated Minimal exposure, Roy gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Roy's 58th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Roy, see the exposure-zones guide.