Maltby, WA
Maltby, WA's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Maltby at the 11th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 6,868 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Maltby's burn probability — fire likelihood with no building count factored in — sits at the 11th percentile nationally.
Where Maltby's buildings actually sit
USFS classifies 69.1% of Maltby's buildings as Direct exposure, higher than its 24.8% Indirect share and far above its 6.1% Minimal share — a profile where 4,746 structures sit close enough to vegetation that lot clearing matters most. At 6,868 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Maltby compares
Maltby's risk sits at a similar level relative to Washington (12th percentile statewide) as it does nationally (11th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Maltby ranks 28,004 for wildfire risk (1 is highest) and 2,522 by building count (1 is largest). Within Washington alone, it ranks 553 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
At the 11th national percentile, Maltby rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Maltby's 69.1% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
The methodology guide shows exactly how USFS turned 6,868 counted buildings into the percentiles shown above for Maltby. For more on what direct exposure implies beyond Maltby, see the exposure-zones guide.