Swan Valley, ID
How exposed is Swan Valley to wildfire?
USFS's Wildfire Risk to Communities model puts Swan Valley at the 90th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 433 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Swan Valley's burn probability — fire likelihood with no building count factored in — sits at the 89th percentile nationally.
Swan Valley's building exposure, zone by zone
433 buildings are counted in Swan Valley, and 93.3% 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 Swan Valley ranks
Swan Valley's 90th national percentile looks worse in isolation than its 66th ranking inside Idaho does — this place is on the milder end for its own state, by 24 points. Among the 31,521 US communities USFS scores, Swan Valley ranks 3,215 for wildfire risk (1 is highest) and 18,577 by building count (1 is largest). Within Idaho alone, it ranks 79 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
Swan Valley's very high rating (90th 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.
What would actually reduce this score
Swan Valley's 93.3% 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.
More on how this number was built
Swan Valley's 90th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Swan Valley, see the exposure-zones guide.