Loon Lake, WA
Loon Lake wildfire risk explained
USFS's Wildfire Risk to Communities model puts Loon Lake at the 95th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 935 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 Loon Lake at the 95th percentile, close to its 95th-percentile risk score.
Loon Lake's building exposure, zone by zone
USFS puts 50.4% of Loon Lake's 935 buildings in the Indirect exposure zone, versus 42.6% Direct and 7.1% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Loon Lake compares
Loon Lake scores 95th nationally and 87th within Washington — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Loon Lake ranks 1,653 for wildfire risk (1 is highest) and 12,430 by building count (1 is largest). Within Washington alone, it ranks 84 of 628 places by risk. See the full county-by-county picture for Washington on its state page.
Shopping for coverage in Loon Lake
Loon Lake's 95th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
Loon Lake's 50.4% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Loon Lake's 1,653-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Loon Lake, see the exposure-zones guide.