Fobes Hill, WA
Fobes Hill, WA's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Fobes Hill at the 9th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 1,751 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Fobes Hill at the 11th percentile, close to its 9th-percentile risk score.
Fobes Hill's building exposure, zone by zone
Direct exposure dominates in Fobes Hill: 77.3% of its 1,751 buildings, versus 19.4% Indirect and 3.3% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Fobes Hill against the rest of the country
Fobes Hill's risk sits at a similar level relative to Washington (9th percentile statewide) as it does nationally (9th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Fobes Hill ranks 28,793 for wildfire risk (1 is highest) and 8,222 by building count (1 is largest). Within Washington alone, it ranks 575 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
Fobes Hill's low wildfire rating (9th 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.
What would actually reduce this score
Because Direct exposure dominates in Fobes Hill (77.3%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Fobes Hill's figures come from
The methodology guide shows exactly how USFS turned 1,751 counted buildings into the percentiles shown above for Fobes Hill. The exposure-zones guide covers what Fobes Hill's dominant direct exposure actually means, with real examples from across the dataset.