Harbor, OR
Harbor, OR's wildfire risk, in USFS's own numbers
USFS scores Harbor at the 96th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 2,021 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Harbor at the 92nd national percentile — 4 points below its risk-to-structures score, a gap driven by how much is actually built there.
Harbor's building exposure, zone by zone
Indirect exposure is dominant in Harbor (87% of 2,021 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 12.8% sit in the Direct zone.
Where Harbor ranks
Harbor's risk sits at a similar level relative to Oregon (86th percentile statewide) as it does nationally (96th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Harbor ranks 1,302 for wildfire risk (1 is highest) and 7,415 by building count (1 is largest). Within Oregon alone, it ranks 59 of 420 places by risk. See the full county-by-county picture for Oregon on its state page.
What this risk score means for insurance
Harbor's 96th-percentile score lands in Oregon, the only two states requiring a wildfire disclosure at sale. Oregon's own hazard map feeds directly into that disclosure requirement. The disclosure-law guide covers what it requires.
Hardening a home in Harbor
With ember exposure the dominant pattern in Harbor (87% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Harbor's figures come from
Harbor's 96th-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 Harbor's dominant indirect exposure actually means, with real examples from across the dataset.