Woodinville, WA
Woodinville wildfire risk explained
USFS's Wildfire Risk to Communities model puts Woodinville at the 10th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 4,242 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Woodinville's burn probability — fire likelihood with no building count factored in — sits at the 10th percentile nationally.
Where Woodinville's buildings actually sit
Only 23% of Woodinville's 4,242 buildings carry Direct exposure and 11.9% carry Indirect; the remaining 65% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How Woodinville compares
Woodinville scores 10th nationally and 9th 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, Woodinville ranks 28,542 for wildfire risk (1 is highest) and 4,025 by building count (1 is largest). Within Washington alone, it ranks 571 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
Woodinville's low wildfire rating (10th 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
Even with 65% of Woodinville outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Woodinville's 28,542-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Woodinville, see the exposure-zones guide.