Management of aquatic resources in fire-prone areas requires understanding of fish species’ responses to wildfire and of the intermediate- and long-term consequences of these disturbances. We examined Rainbow Trout populations in 9 headwater streams 10 y after a major wildfire: 3 with no history of severe wildfire in the watershed (unburned), 3 in severely burned watersheds (burned), and 3 in severely burned watersheds subjected to immediate events that scoured the stream channel and eliminated streamside vegetation (burned and reorganized). Results of a previous study of this system suggested the primary lasting effects of this wildfire history on headwater stream habitat were differences in canopy cover and solar radiation, which led to higher summer stream temperatures. Nevertheless, trout were present throughout streams in burned watersheds. Older age classes were least abundant in streams draining watersheds with a burned and reorganized history, and individuals >1 y old were most abundant in streams draining watersheds with an unburned history. Burned history corresponded with fast growth, low lipid content, and early maturity of Rainbow Trout. We used an individual-based model of Rainbow Trout growth and demographic patterns to determine if temperature interactions with bioenergetics and competition among individuals could lead to observed phenotypic and ecological differences among populations in the absence of other plausible mechanisms. Modeling suggested that moderate warming associated with wildfire and channel disturbance history leads to faster individual growth, which exacerbates competition for limited food, leading to decreases in population densities. The inferred mechanisms from this modeling exercise suggest the transferability of ecological patterns to a variety of temperature-warming scenarios.