Toledo, WA
Toledo wildfire risk explained
Toledo sits at the 22nd percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 406 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Toledo's burn probability — fire likelihood with no building count factored in — sits at the 27th percentile nationally.
Where Toledo's buildings actually sit
USFS puts 93.1% of Toledo's 406 buildings in the Indirect exposure zone, versus 6.9% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Toledo compares
Toledo scores 22nd nationally and 36th 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, Toledo ranks 24,504 for wildfire risk (1 is highest) and 19,112 by building count (1 is largest). Within Washington alone, it ranks 405 of 628 places by risk. See the full county-by-county picture for Washington on its state page.
Shopping for coverage in Toledo
Toledo's moderate wildfire rating (22nd 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 Toledo
Toledo's 93.1% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 406 counted buildings into the percentiles shown above for Toledo. For more on what indirect exposure implies beyond Toledo, see the exposure-zones guide.