Rock Island, WA
How exposed is Rock Island to wildfire?
Rock Island's 542 buildings earn a 95th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Rock Island's burn probability — fire likelihood with no building count factored in — sits at the 95th percentile nationally.
Where Rock Island's buildings actually sit
542 buildings are counted in Rock Island, and 76% of them are Indirect exposure — ember-driven risk rather than the 23.8% in Direct exposure or the 0.2% rated Minimal.
Rock Island against the rest of the country
There's little gap between Rock Island's 95th national percentile and its 87th percentile inside Washington, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Rock Island ranks 1,591 for wildfire risk (1 is highest) and 16,692 by building count (1 is largest). Within Washington alone, it ranks 81 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
Rock Island's very high rating (95th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Hardening a home in Rock Island
With ember exposure the dominant pattern in Rock Island (76% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Rock Island's figures come from
The methodology guide shows exactly how USFS turned 542 counted buildings into the percentiles shown above for Rock Island. The exposure-zones guide covers what Rock Island's dominant indirect exposure actually means, with real examples from across the dataset.