Y-O Ranch, WY
Y-O Ranch wildfire risk explained
USFS scores Y-O Ranch at the 76th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 172 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 Y-O Ranch at the 74th percentile, close to its 76th-percentile risk score.
What "at risk" means for the buildings here
87.2% of Y-O Ranch's 172 buildings sit in USFS's Direct exposure zone, roughly 150 structures close enough to burnable vegetation for flame contact, not just embers — 12.8% fall in the Indirect, ember-only zone and 0% are Minimal.
How Y-O Ranch compares
Y-O Ranch's 76th national percentile looks worse in isolation than its 39th ranking inside Wyoming does — this place is on the milder end for its own state, by 37 points. Among the 31,521 US communities USFS scores, Y-O Ranch ranks 7,486 for wildfire risk (1 is highest) and 25,967 by building count (1 is largest). Within Wyoming alone, it ranks 117 of 192 places by risk. See the full county-by-county picture for Wyoming on its state page.
Y-O Ranch and the insurance market
Y-O Ranch's 76th-percentile, 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
Y-O Ranch's 87.2% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 172 counted buildings into the percentiles shown above for Y-O Ranch. For more on what direct exposure implies beyond Y-O Ranch, see the exposure-zones guide.