Hubbard, OR
Hubbard wildfire risk explained
Hubbard sits at the 21st percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 1,209 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Hubbard at the 24th percentile, close to its 21st-percentile risk score.
What "at risk" means for the buildings here
Most of Hubbard's buildings (49%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
How Hubbard compares
There's little gap between Hubbard's 21st national percentile and its 16th percentile inside Oregon, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Hubbard ranks 24,874 for wildfire risk (1 is highest) and 10,597 by building count (1 is largest). Within Oregon alone, it ranks 354 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
Hubbard's 21st-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.
What would actually reduce this score
Because 49% of Hubbard's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,209 counted buildings into the percentiles shown above for Hubbard. For more on what indirect exposure implies beyond Hubbard, see the exposure-zones guide.