Finley, WA
Finley, WA's wildfire risk, in USFS's own numbers
USFS scores Finley at the 92nd national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 4,602 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Finley at the 92nd national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Finley's buildings actually sit
Of Finley's 4,602 counted buildings, 59.7% carry Direct exposure and only 16.9% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Finley against the rest of the country
Finley scores 92nd nationally and 83rd within Washington — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Finley ranks 2,470 for wildfire risk (1 is highest) and 3,701 by building count (1 is largest). Within Washington alone, it ranks 108 of 628 places by risk. See the full county-by-county picture for Washington on its state page.
Shopping for coverage in Finley
Finley's 92nd-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
Finley's 59.7% 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.
More on how this number was built
Finley's 92nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Finley, see the exposure-zones guide.