Torrey, UT
How exposed is Torrey to wildfire?
Torrey sits at the 64th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 387 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Torrey at the 60th percentile, close to its 64th-percentile risk score.
What "at risk" means for the buildings here
Of Torrey's 387 counted buildings, 81.9% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Torrey against the rest of the country
Inside Utah, Torrey sits at just the 21st percentile even though it scores 64th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Torrey ranks 11,297 for wildfire risk (1 is highest) and 19,477 by building count (1 is largest). Within Utah alone, it ranks 258 of 326 places by risk. See the full county-by-county picture for Utah on its state page.
Torrey and the insurance market
At the 64th percentile nationally, Torrey carries the 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Torrey (81.9%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 387 counted buildings into the percentiles shown above for Torrey. For more on what direct exposure implies beyond Torrey, see the exposure-zones guide.