Clover Creek, WA
How exposed is Clover Creek to wildfire?
USFS's Wildfire Risk to Communities model puts Clover Creek at the 11th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 3,988 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Clover Creek at the 12th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Clover Creek's buildings actually sit
Clover Creek rates 70.5% Minimal exposure against just 29.5% Direct and 0% Indirect — of 3,988 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Clover Creek against the rest of the country
Clover Creek's risk sits at a similar level relative to Washington (11th percentile statewide) as it does nationally (11th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Clover Creek ranks 28,193 for wildfire risk (1 is highest) and 4,259 by building count (1 is largest). Within Washington alone, it ranks 558 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
At the 11th national percentile, Clover Creek rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Even with 70.5% of Clover Creek 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.
More on how this number was built
Clover Creek's 11th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Clover Creek, see the exposure-zones guide.