Lake Tapps, WA
Lake Tapps wildfire risk explained
USFS's Wildfire Risk to Communities model puts Lake Tapps at the 25th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 5,997 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 Lake Tapps at the 28th percentile, close to its 25th-percentile risk score.
Lake Tapps's building exposure, zone by zone
Most of Lake Tapps's buildings (52.1% of 5,997) 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. At 5,997 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Lake Tapps compares
Lake Tapps's 42nd-percentile standing inside Washington outpaces its 25th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Lake Tapps ranks 23,653 for wildfire risk (1 is highest) and 2,875 by building count (1 is largest). Within Washington alone, it ranks 368 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
Lake Tapps's moderate wildfire rating (25th 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 Lake Tapps
Even with 52.1% of Lake Tapps 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 Lake Tapps's figures come from
Lake Tapps's 25th-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 Lake Tapps's dominant minimal exposure actually means, with real examples from across the dataset.