Lofall, WA
How exposed is Lofall to wildfire?
Lofall 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 1,258 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lofall at the 22nd national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
52% of Lofall's 1,258 buildings sit in USFS's Direct exposure zone, roughly 654 structures close enough to burnable vegetation for flame contact, not just embers — 45.2% fall in the Indirect, ember-only zone and 2.9% are Minimal.
How Lofall compares
Lofall's risk sits at a similar level relative to Washington (33rd percentile statewide) as it does nationally (21st) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Lofall ranks 24,849 for wildfire risk (1 is highest) and 10,310 by building count (1 is largest). Within Washington alone, it ranks 422 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
Lofall's moderate wildfire rating (21st 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Lofall (52%), 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
The methodology guide shows exactly how USFS turned 1,258 counted buildings into the percentiles shown above for Lofall. For more on what direct exposure implies beyond Lofall, see the exposure-zones guide.