Torboy, WA
How exposed is Torboy to wildfire?
Out of every US place USFS scores, Torboy lands at the 97th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 66 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Torboy's burn probability — fire likelihood with no building count factored in — sits at the 97th percentile nationally.
What "at risk" means for the buildings here
100% of Torboy's 66 buildings sit in USFS's Direct exposure zone, roughly 66 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 0% are Minimal.
Torboy against the rest of the country
Torboy's risk sits at a similar level relative to Washington (92nd percentile statewide) as it does nationally (97th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Torboy ranks 1,025 for wildfire risk (1 is highest) and 30,450 by building count (1 is largest). Within Washington alone, it ranks 52 of 628 places by risk. See the full county-by-county picture for Washington on its state page.
Shopping for coverage in Torboy
Torboy's 97th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Hardening a home in Torboy
Torboy's 100% 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.
Where Torboy's figures come from
Torboy's 97th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Torboy's dominant direct exposure actually means, with real examples from across the dataset.