Smithfield, UT
Smithfield wildfire risk explained
Smithfield sits at the 84th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 4,238 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Smithfield at the 81st 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
Indirect exposure is dominant in Smithfield (63.5% of 4,238 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 18.1% sit in the Direct zone.
How Smithfield compares
Inside Utah, Smithfield sits at just the 46th percentile even though it scores 84th 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, Smithfield ranks 5,058 for wildfire risk (1 is highest) and 4,028 by building count (1 is largest). Within Utah alone, it ranks 178 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
Smithfield's very high rating (84th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
Smithfield's 63.5% 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.
More on how this number was built
Smithfield's 84th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Smithfield, see the exposure-zones guide.