Sumner, WA
Sumner, WA's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Sumner at the 18th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 4,488 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Sumner at the 19th percentile, close to its 18th-percentile risk score.
What "at risk" means for the buildings here
Only 2.3% of Sumner's 4,488 buildings carry Direct exposure and 0% carry Indirect; the remaining 97.7% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Sumner ranks
There's little gap between Sumner's 18th national percentile and its 25th percentile inside Washington, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Sumner ranks 25,955 for wildfire risk (1 is highest) and 3,805 by building count (1 is largest). Within Washington alone, it ranks 473 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
Sumner's low wildfire rating (18th 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 Sumner
With 97.7% of buildings rated Minimal exposure, Sumner gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 4,488 counted buildings into the percentiles shown above for Sumner. For more on what minimal exposure implies beyond Sumner, see the exposure-zones guide.