Spring Creek, NV
Spring Creek wildfire risk explained
Spring Creek's 7,926 buildings earn a 100th-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.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Spring Creek at the 100th percentile, close to its 100th-percentile risk score.
Spring Creek's building exposure, zone by zone
99.5% of Spring Creek's 7,926 buildings sit in USFS's Direct exposure zone, roughly 7,884 structures close enough to burnable vegetation for flame contact, not just embers — 0.5% fall in the Indirect, ember-only zone and 0% are Minimal. At 7,926 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Spring Creek ranks
There's little gap between Spring Creek's 100th national percentile and its 98th percentile inside Nevada, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Spring Creek ranks 43 for wildfire risk (1 is highest) and 2,138 by building count (1 is largest). Within Nevada alone, it ranks 4 of 123 places by risk. See the full county-by-county picture for Nevada on its state page.
What this risk score means for insurance
At the 100th percentile nationally, Spring Creek 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 Spring Creek
Spring Creek's 99.5% 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 Spring Creek's figures come from
The methodology guide shows exactly how USFS turned 7,926 counted buildings into the percentiles shown above for Spring Creek. The exposure-zones guide covers what Spring Creek's dominant direct exposure actually means, with real examples from across the dataset.