Oak Harbor, WA
How exposed is Oak Harbor to wildfire?
USFS's Wildfire Risk to Communities model puts Oak Harbor at the 13th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 7,636 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Oak Harbor at the 13th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Oak Harbor's building exposure, zone by zone
Only 2.2% of Oak Harbor's 7,636 buildings carry Direct exposure and 44% carry Indirect; the remaining 53.9% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 7,636 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Oak Harbor against the rest of the country
Oak Harbor's risk sits at a similar level relative to Washington (16th percentile statewide) as it does nationally (13th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Oak Harbor ranks 27,403 for wildfire risk (1 is highest) and 2,235 by building count (1 is largest). Within Washington alone, it ranks 528 of 628 places by risk. See the full county-by-county picture for Washington on its state page.
Oak Harbor and the insurance market
Oak Harbor's low wildfire rating (13th 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 Oak Harbor
Even with 53.9% of Oak Harbor 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.
More on how this number was built
Oak Harbor's 13th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Oak Harbor, see the exposure-zones guide.