Wolf Creek, UT
Wolf Creek, UT's wildfire risk, in USFS's own numbers
USFS scores Wolf Creek at the 92nd national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 904 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Wolf Creek's burn probability — fire likelihood with no building count factored in — sits at the 89th percentile nationally.
Where Wolf Creek's buildings actually sit
Of Wolf Creek's 904 counted buildings, 85.2% 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.
Wolf Creek against the rest of the country
Wolf Creek's 92nd national percentile looks worse in isolation than its 63rd ranking inside Utah does — this place is on the milder end for its own state, by 29 points. Among the 31,521 US communities USFS scores, Wolf Creek ranks 2,660 for wildfire risk (1 is highest) and 12,692 by building count (1 is largest). Within Utah alone, it ranks 121 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
Wolf Creek's 92nd-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.
Lowering exposure, not just insuring around it
Wolf Creek's 85.2% 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.
Where Wolf Creek's figures come from
The methodology guide shows exactly how USFS turned 904 counted buildings into the percentiles shown above for Wolf Creek. The exposure-zones guide covers what Wolf Creek's dominant direct exposure actually means, with real examples from across the dataset.