Marrowstone, WA
How exposed is Marrowstone to wildfire?
USFS scores Marrowstone at the 15th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 913 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Marrowstone at the 14th percentile, close to its 15th-percentile risk score.
Marrowstone's building exposure, zone by zone
80.5% of Marrowstone's 913 buildings sit in USFS's Direct exposure zone, roughly 735 structures close enough to burnable vegetation for flame contact, not just embers — 8.9% fall in the Indirect, ember-only zone and 10.6% are Minimal.
Marrowstone against the rest of the country
Marrowstone scores 15th nationally and 20th 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, Marrowstone ranks 26,678 for wildfire risk (1 is highest) and 12,617 by building count (1 is largest). Within Washington alone, it ranks 503 of 628 places by risk. See the full county-by-county picture for Washington on its state page.
Marrowstone and the insurance market
Marrowstone's low wildfire rating (15th 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.
What would actually reduce this score
Marrowstone's 80.5% 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
Every one of the two percentiles behind Marrowstone's 26,678-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Marrowstone, see the exposure-zones guide.