Spanish Fork, UT
Spanish Fork wildfire risk explained
Spanish Fork's 12,205 buildings earn a 93rd-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Spanish Fork at the 88th national percentile — 4 points below its risk-to-structures score, a gap driven by how much is actually built there.
Spanish Fork's building exposure, zone by zone
Spanish Fork rates 67% Minimal exposure against just 12.3% Direct and 20.7% Indirect — of 12,205 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually. At 12,205 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Spanish Fork ranks
Spanish Fork's 93rd national percentile looks worse in isolation than its 66th ranking inside Utah does — this place is on the milder end for its own state, by 27 points. Among the 31,521 US communities USFS scores, Spanish Fork ranks 2,347 for wildfire risk (1 is highest) and 1,271 by building count (1 is largest). Within Utah alone, it ranks 112 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
Spanish Fork's 93rd-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.
Hardening a home in Spanish Fork
Spanish Fork's 67% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Spanish Fork's 93rd-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 Spanish Fork, see the exposure-zones guide.