Spencer, ID
Spencer, ID's wildfire risk, in USFS's own numbers
USFS scores Spencer at the 95th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 79 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Spencer at the 93rd national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Spencer's buildings actually sit
79 buildings are counted in Spencer, and 79.8% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
How Spencer compares
Spencer ranks lower within Idaho (79th percentile statewide) than its 95th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Spencer ranks 1,633 for wildfire risk (1 is highest) and 29,909 by building count (1 is largest). Within Idaho alone, it ranks 51 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 95th percentile nationally, Spencer carries the very 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.
Hardening a home in Spencer
Spencer's 79.8% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Spencer's figures come from
Spencer's 95th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Spencer's dominant direct exposure actually means, with real examples from across the dataset.