Steilacoom, WA
Steilacoom wildfire risk explained
USFS's Wildfire Risk to Communities model puts Steilacoom at the 29th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 2,606 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Steilacoom's burn probability — fire likelihood with no building count factored in — sits at the 29th percentile nationally.
Steilacoom's building exposure, zone by zone
2,606 buildings are counted in Steilacoom, and 48.6% of them are Indirect exposure — ember-driven risk rather than the 8.8% in Direct exposure or the 42.6% rated Minimal.
How Steilacoom compares
Steilacoom's 48th-percentile standing inside Washington outpaces its 29th 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, Steilacoom ranks 22,298 for wildfire risk (1 is highest) and 6,087 by building count (1 is largest). Within Washington alone, it ranks 328 of 628 places by risk. See the full county-by-county picture for Washington on its state page.
Steilacoom and the insurance market
Steilacoom's moderate wildfire rating (29th 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.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Steilacoom (48.6% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Steilacoom's figures come from
Every one of the two percentiles behind Steilacoom's 22,298-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Steilacoom's dominant indirect exposure actually means, with real examples from across the dataset.