Clear Lake (Skagit), WA
How exposed is Clear Lake (Skagit) to wildfire?
USFS scores Clear Lake (Skagit) at the 28th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 852 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Clear Lake (Skagit)'s burn probability — fire likelihood with no building count factored in — sits at the 27th percentile nationally.
What "at risk" means for the buildings here
52.8% of Clear Lake (Skagit)'s 852 buildings sit in USFS's Direct exposure zone, roughly 450 structures close enough to burnable vegetation for flame contact, not just embers — 47.2% fall in the Indirect, ember-only zone and 0% are Minimal.
Clear Lake (Skagit) against the rest of the country
Compare Clear Lake (Skagit)'s two percentiles: 46th within Washington, only 28th nationally — a gap of 18 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Clear Lake (Skagit) ranks 22,701 for wildfire risk (1 is highest) and 13,151 by building count (1 is largest). Within Washington alone, it ranks 336 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
Clear Lake (Skagit)'s moderate wildfire rating (28th 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.
Lowering exposure, not just insuring around it
Clear Lake (Skagit)'s 52.8% 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.
Where Clear Lake (Skagit)'s figures come from
Clear Lake (Skagit)'s 28th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Clear Lake (Skagit)'s dominant direct exposure actually means, with real examples from across the dataset.