Hayden Lake, ID
How exposed is Hayden Lake to wildfire?
Hayden Lake's 423 buildings earn a 54th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Hayden Lake's burn probability — fire likelihood with no building count factored in — sits at the 49th percentile nationally.
What "at risk" means for the buildings here
Direct exposure dominates in Hayden Lake: 77.5% of its 423 buildings, versus 15.6% Indirect and 6.9% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Hayden Lake compares
Hayden Lake ranks lower within Idaho (20th percentile statewide) than its 54th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Hayden Lake ranks 14,488 for wildfire risk (1 is highest) and 18,775 by building count (1 is largest). Within Idaho alone, it ranks 187 of 232 places by risk. See the full county-by-county picture for Idaho on its state page.
Hayden Lake and the insurance market
Hayden Lake's elevated wildfire rating (54th 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.
Hardening a home in Hayden Lake
Because Direct exposure dominates in Hayden Lake (77.5%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Hayden Lake's 54th-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 Hayden Lake, see the exposure-zones guide.