Banks, OR
Banks wildfire risk explained
Banks sits at the 19th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 707 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Banks's burn probability — fire likelihood with no building count factored in — sits at the 19th percentile nationally.
Banks's building exposure, zone by zone
90.7% of Banks's 707 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 4.7% Direct and 4.7% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Banks against the rest of the country
Banks scores 19th nationally and 11th within Oregon — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Banks ranks 25,570 for wildfire risk (1 is highest) and 14,588 by building count (1 is largest). Within Oregon alone, it ranks 373 of 420 places by risk. See the full county-by-county picture for Oregon on its state page.
Shopping for coverage in Banks
Because Banks is in Oregon, a wildfire-hazard disclosure is legally required before a sale closes here — unusual nationally, since only these two states mandate it. Full detail in the disclosure-law guide.
Lowering exposure, not just insuring around it
Banks's 90.7% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Banks's figures come from
The methodology guide shows exactly how USFS turned 707 counted buildings into the percentiles shown above for Banks. The exposure-zones guide covers what Banks's dominant indirect exposure actually means, with real examples from across the dataset.