Coeur d'Alene, ID
Coeur d'Alene wildfire risk explained
Coeur d'Alene sits at the 62nd percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 20,423 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Coeur d'Alene at the 56th national percentile — 6 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Coeur d'Alene's buildings actually sit
Only 6% of Coeur d'Alene's 20,423 buildings carry Direct exposure and 38% carry Indirect; the remaining 56% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 20,423 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Coeur d'Alene against the rest of the country
Coeur d'Alene's 62nd national percentile looks worse in isolation than its 28th ranking inside Idaho does — this place is on the milder end for its own state, by 34 points. Among the 31,521 US communities USFS scores, Coeur d'Alene ranks 12,094 for wildfire risk (1 is highest) and 689 by building count (1 is largest). Within Idaho alone, it ranks 166 of 232 places by risk. See the full county-by-county picture for Idaho on its state page.
What this risk score means for insurance
Coeur d'Alene's high rating (62nd percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
With 56% of buildings rated Minimal exposure, Coeur d'Alene gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Every one of the two percentiles behind Coeur d'Alene's 12,094-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Coeur d'Alene, see the exposure-zones guide.