Bremerton, WA
Bremerton wildfire risk explained
Bremerton sits at the 38th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 13,958 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Bremerton's burn probability — fire likelihood with no building count factored in — sits at the 34th percentile nationally.
Bremerton's building exposure, zone by zone
Bremerton rates 79.4% Minimal exposure against just 3.9% Direct and 16.8% Indirect — of 13,958 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually. At 13,958 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Bremerton ranks
Compare Bremerton's two percentiles: 56th within Washington, only 38th nationally — a gap of 18 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Bremerton ranks 19,587 for wildfire risk (1 is highest) and 1,077 by building count (1 is largest). Within Washington alone, it ranks 277 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
Bremerton's moderate rating (38th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Even with 79.4% of Bremerton outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Bremerton's figures come from
Every one of the two percentiles behind Bremerton's 19,587-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Bremerton's dominant minimal exposure actually means, with real examples from across the dataset.