Three Lakes, WA
Three Lakes, WA's wildfire risk, in USFS's own numbers
Three Lakes's 2,357 buildings earn a 21st-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.)
Fire likelihood alone (USFS's burn-probability figure) ranks Three Lakes at the 20th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Three Lakes's building exposure, zone by zone
2,357 buildings are counted in Three Lakes, and 97.7% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0.5% rated Minimal.
Where Three Lakes ranks
Three Lakes scores 21st nationally and 32nd within Washington — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Three Lakes ranks 24,978 for wildfire risk (1 is highest) and 6,594 by building count (1 is largest). Within Washington alone, it ranks 426 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
Three Lakes's moderate wildfire rating (21st 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
Three Lakes's 97.7% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
The methodology guide shows exactly how USFS turned 2,357 counted buildings into the percentiles shown above for Three Lakes. For more on what direct exposure implies beyond Three Lakes, see the exposure-zones guide.