Whiterocks, UT
Whiterocks wildfire risk explained
USFS's Wildfire Risk to Communities model puts Whiterocks at the 79th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 127 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Whiterocks's burn probability — fire likelihood with no building count factored in — sits at the 75th percentile nationally.
Where Whiterocks's buildings actually sit
88.2% of Whiterocks's 127 buildings sit in USFS's Direct exposure zone, roughly 112 structures close enough to burnable vegetation for flame contact, not just embers — 11.8% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Whiterocks ranks
Whiterocks ranks lower within Utah (37th percentile statewide) than its 79th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Whiterocks ranks 6,730 for wildfire risk (1 is highest) and 27,876 by building count (1 is largest). Within Utah alone, it ranks 205 of 326 places by risk. See the full county-by-county picture for Utah on its state page.
What this risk score means for insurance
At the 79th percentile nationally, Whiterocks 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 Whiterocks (88.2%), 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
Whiterocks's 79th-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 Whiterocks, see the exposure-zones guide.