Garden Home-Whitford, OR
Garden Home-Whitford wildfire risk explained
Garden Home-Whitford's 2,910 buildings earn a 10th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Garden Home-Whitford at the 11th percentile, close to its 10th-percentile risk score.
What "at risk" means for the buildings here
Most of Garden Home-Whitford's buildings (93.6% of 2,910) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Where Garden Home-Whitford ranks
There's little gap between Garden Home-Whitford's 10th national percentile and its 3rd percentile inside Oregon, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Garden Home-Whitford ranks 28,350 for wildfire risk (1 is highest) and 5,571 by building count (1 is largest). Within Oregon alone, it ranks 407 of 420 places by risk. See the full county-by-county picture for Oregon on its state page.
Garden Home-Whitford and the insurance market
Garden Home-Whitford sits in Oregon, one of two states that legally require a wildfire-risk disclosure at sale. Sellers here disclose wildfire-hazard status before closing, the same number this page reports at the 10th national percentile. More on the disclosure law.
Lowering exposure, not just insuring around it
Even with 93.6% of Garden Home-Whitford 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.
Where Garden Home-Whitford's figures come from
Garden Home-Whitford's 10th-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 Garden Home-Whitford's dominant minimal exposure actually means, with real examples from across the dataset.