Bainbridge Island, WA
Bainbridge Island, WA's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Bainbridge Island at the 18th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 11,493 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Bainbridge Island at the 18th percentile, close to its 18th-percentile risk score.
Where Bainbridge Island's buildings actually sit
USFS classifies 62.1% of Bainbridge Island's buildings as Direct exposure, higher than its 20.3% Indirect share and far above its 17.6% Minimal share — a profile where 7,141 structures sit close enough to vegetation that lot clearing matters most. At 11,493 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Bainbridge Island compares
There's little gap between Bainbridge Island's 18th national percentile and its 26th percentile inside Washington, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Bainbridge Island ranks 25,861 for wildfire risk (1 is highest) and 1,371 by building count (1 is largest). Within Washington alone, it ranks 468 of 628 places by risk. See the full county-by-county picture for Washington on its state page.
What this risk score means for insurance
Bainbridge Island's low wildfire rating (18th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
With 62.1% of Bainbridge Island in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Bainbridge Island's figures come from
Every one of the two percentiles behind Bainbridge Island's 25,861-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Bainbridge Island's dominant direct exposure actually means, with real examples from across the dataset.