St. John, WA
How exposed is St. John to wildfire?
USFS scores St. John at the 53rd national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 467 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 St. John at the 53rd percentile, close to its 53rd-percentile risk score.
What "at risk" means for the buildings here
Indirect exposure is dominant in St. John (92.3% of 467 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 7.7% sit in the Direct zone.
Where St. John ranks
St. John's risk sits at a similar level relative to Washington (63rd percentile statewide) as it does nationally (53rd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, St. John ranks 14,860 for wildfire risk (1 is highest) and 17,947 by building count (1 is largest). Within Washington alone, it ranks 231 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
St. John's elevated wildfire rating (53rd 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
Because 92.3% of St. John's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 467 counted buildings into the percentiles shown above for St. John. For more on what indirect exposure implies beyond St. John, see the exposure-zones guide.