Story, WY
Story wildfire risk explained
USFS scores Story at the 94th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 919 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Story at the 94th percentile, close to its 94th-percentile risk score.
Where Story's buildings actually sit
919 buildings are counted in Story, and 97.8% 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.
Where Story ranks
There's little gap between Story's 94th national percentile and its 98th percentile inside Wyoming, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Story ranks 1,781 for wildfire risk (1 is highest) and 12,567 by building count (1 is largest). Within Wyoming alone, it ranks 4 of 192 places by risk. See the full county-by-county picture for Wyoming on its state page.
What this risk score means for insurance
Story's very high rating (94th 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
With 97.8% of Story in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Story's figures come from
The methodology guide shows exactly how USFS turned 919 counted buildings into the percentiles shown above for Story. The exposure-zones guide covers what Story's dominant direct exposure actually means, with real examples from across the dataset.