Troy, ID
How exposed is Troy to wildfire?
USFS scores Troy at the 91st national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 490 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 Troy at the 93rd percentile, close to its 91st-percentile risk score.
Where Troy's buildings actually sit
USFS puts 69.4% of Troy's 490 buildings in the Indirect exposure zone, versus 30.6% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Troy against the rest of the country
Troy ranks lower within Idaho (69th percentile statewide) than its 91st national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Troy ranks 2,770 for wildfire risk (1 is highest) and 17,525 by building count (1 is largest). Within Idaho alone, it ranks 73 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
Troy's 91st-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Hardening a home in Troy
Because 69.4% of Troy's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
Troy's 91st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Troy, see the exposure-zones guide.