Roche Harbor, WA
Roche Harbor, WA's wildfire risk, in USFS's own numbers
Roche Harbor's 821 buildings earn a 26th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Roche Harbor's burn probability — fire likelihood with no building count factored in — sits at the 23rd percentile nationally.
Where Roche Harbor's buildings actually sit
Direct exposure dominates in Roche Harbor: 74.3% of its 821 buildings, versus 16.2% Indirect and 9.5% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Roche Harbor ranks
Roche Harbor's 43rd-percentile standing inside Washington outpaces its 26th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Roche Harbor ranks 23,277 for wildfire risk (1 is highest) and 13,443 by building count (1 is largest). Within Washington alone, it ranks 358 of 628 places by risk. See the full county-by-county picture for Washington on its state page.
Shopping for coverage in Roche Harbor
Roche Harbor's moderate rating (26th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Roche Harbor (74.3%), 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
Roche Harbor's 26th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Roche Harbor, see the exposure-zones guide.