Wildfire Risk in Coeur d'Alene, ID
Coeur d’Alene’s lake-and-forest setting in the Idaho Panhandle places growing neighborhoods against dense conifer and an expanding wildland-urban interface.
Risk · High end
9/100
Low Risk
range 4–9 by area
Wildfire risk varies by neighborhood in Coeur d'Alene. Our federal-data samples across the city range from 4 to 9 out of 100 depending on the neighborhood. A citywide number can mislead either way — check your exact address for the score that applies to your home.
Fire locations come from NIFC — they update about once a day and are not real-time. In an emergency, always follow the official orders from your local authorities. Basemap © Mapbox © OpenStreetMap.
Wildfire hazard in Coeur d'Alene
Coeur d'Alene, Idaho spans low to low risk (4–9/100) depending on the neighborhood, with the high end nearest open wildland and vegetation. Coeur d'Alene carries a comparatively low wildfire-hazard rating, but "low" is never "none" in the West (a 9/100 FireRisk). the USFS Wildfire Risk to Communities model rates the risk to structures here as Low. Federal records show 8 wildfires within 25 miles since 2000 — the closest, the Skitwish2 Fire (2007), burned about 13.6 miles away. Risk varies dramatically block to block, so the map shows the area while your exact address determines your true score.
Get the full report for your address →About wildfire risk in Coeur d'Alene
Fire history
North Idaho’s forests carry significant late-summer fire risk, and dry years repeatedly bring large fires and heavy smoke to the Coeur d’Alene region as drought stresses the timber.
Terrain & fuels
Dense conifer forest and brush wrap the lakeshore hills; late-summer drought and wind drive the hazard, with new development pushing into the trees.
Insurance outlook
Kootenai County WUI premiums are rising with the region’s growth and fire activity; defensible space and home hardening help.
Coeur d'Alene fire insurance: cost & who still writes here →Local programs & resources
- Idaho Dept. of Lands. Fuels-reduction grants and defensible-space guidance.
- Firewise USA. A recognized community wildfire-mitigation program; participating neighborhoods can qualify for grants and, with some carriers, premium credits.
Fire history near Coeur d'Alene
8 federally recorded wildfires (since 2000) within 25 miles. The closest is the Skitwish2 Fire (2007), 13.6 miles away. Tap any fire for quick facts.
Where this score falls
This score plotted on the full wildfire-risk scale.
Risk varies block to block in Coeur d'Alene
This score is for the area. Your street, slope, and defensible space change it a lot — check your exact address for a free, instant home-level score, map, and report.
What Coeur d'Alene wildfire risk means for your insurance
Maximum potential savings
$881/yr
Across 8 programs — confirm eligibility with your carrier
Annual discounts + one-time grants averaged over 5 yrs · discounts may not all stack
$481recurring/yr
$2,000one-time grants
IBHS Wildfire Prepared Home™ Discount
5–25% premium reductionThe gold standard for wildfire home ratings. Major carriers (State Farm, Farmers, Nationwide, Allstate) offer 5–25% discounts for IBHS certification. A third-party inspector grades your home on five systems: roof, vent, deck, wall, and window glazing. Half-day inspection, long-lasting payoff.
✓ WUI homeowners nationwide — confirm discount with your carrier before scheduling inspection
Idaho Firewise Community Discount
5–12% premium reductionState Farm, Farmers, and regional carriers in Idaho recognize Firewise USA certification. Active communities in Boise foothills, McCall, and Sandpoint. Visit idahofire.net for local Fire Safe Council resources.
✓ Idaho WUI residents in Firewise-recognized communities
Documented Defensible Space Discount
5–12% premium reductionMost WUI carriers offer standalone discounts for documented Zone 1, 2 & 3 clearance — no full IBHS cert required. Submit dated before/after photos plus a contractor invoice or county assessment letter to your agent.
✓ Contact your carrier — requires written documentation of Zone 1 (0–5ft), Zone 2 (5–30ft), and Zone 3 (30–100ft) clearance
Class A Fire-Rated Roofing Discount
3–8% premium reductionMetal, concrete tile, or Class A composition shingles eliminate ember ignition from above and qualify for carrier discounts in all wildfire states. Provide your carrier a letter from the roofing contractor confirming the UL Class A rating.
✓ New or recently replaced roofs — ask your carrier for their fire-rating documentation requirements
Home Hardening & Fire-Resistant Materials Discount
3–12% premium reductionDocumenting fire-resistant upgrades — fiber cement siding, metal gutters, dual-pane tempered windows, enclosed eaves, and 1/16" ember-resistant vents — can qualify for additional carrier discounts. Bundle with defensible space docs for maximum combined discount.
✓ Ask your carrier for their home hardening checklist and documentation requirements
Idaho Dept. of Lands Hazardous Fuels Grant
Up to $3,000 (project-based)IDL administers USDA SFA grants for defensible space and community fuels reduction. Priority areas include Boise foothills, Coeur d’Alene, McCall, Sandpoint, and Twin Falls WUI zones. Apply through your IDL area office at idl.idaho.gov.
✓ Idaho WUI private landowners — contact your IDL area office
USDA NRCS EQIP Fuels Reduction Grant
Up to $150,000 (agricultural land)USDA Natural Resources Conservation Service pays 50–75% of wildfire-related conservation work (prescribed burns, thinning, silvopasture) on active agricultural land through EQIP. Application windows open annually in fall. NOTE: requires USDA Farm Service Agency farm/tract number — not available to most residential homeowners.
✓ Active agricultural producers and rural farm operators only — find your NRCS office at nrcs.usda.gov
USDA Forest Service State Fire Assistance (SFA)
Passthrough to state programsUSDA Forest Service SFA grants flow to every state forestry agency, which distributes them as cost-share programs and grants. This is the federal funding source behind the state-specific programs listed here — you apply through your state forestry agency, not directly to USFS.
✓ Applied through your state’s forestry agency — see state-specific programs above
Savings are estimates. Verify current amounts with your insurance carrier, CSFS district office, or tax professional before committing to work.
What wildfire risk does to this home's value
Beyond premiums, wildfire risk is capitalized into market value — buyers pay less for homes that cost more to insure and carry a disclosed hazard. Adjust the value below to estimate the impact on a low-risk home.
Estimated value impact
No measurable discount
At this risk level, research finds little to no wildfire-related effect on market value — and historically a slight premium in some low-risk areas.
Insurance carrying cost
$0/yr
Estimated added wildfire premium. Capitalized at a 7% rate, that recurring cost alone reduces value by about $0 — the mechanism behind much of the discount.
Market & disclosure discount
none
Peer-reviewed CA data finds homes with a disclosed wildfire hazard sell for ~4–6% less; Redfin finds high-risk ZIPs now trade at a discount after years of slower appreciation.
Estimate, not an appraisal. Modeled from your risk tier and an adjustable home value, using insurance-cost capitalization and published wildfire price-discount research (Land Economics 2024 / RFF; GAO-26-107867; Redfin; Eastman-Kim 2024). Individual homes vary with hardening, views, and local demand. Methodology & sources on the methodology page.
Low risk — you may be overpaying.
Low-risk and well-mitigated homes qualify for credits many agents never check. A quick comparison shows whether you’re leaving money on the table.
What happens if you wait
High-risk homeowners have faced steep rate increases in recent years. Non-standard market policies — when you can find them — often cost substantially more.
Insurers have filed hundreds of thousands of non-renewals in fire-risk areas in recent years. Notices typically arrive ~60 days before expiration.
IBHS-certified homes may qualify for premium reductions with participating carriers. Discounts vary by carrier, state, and property.
Research suggests homes with elevated fire risk can sell below comparable homes, as buyers price in insurance cost. Individual results vary.
See your options before rates change.
We match Idaho homeowners with licensed agents who write low-risk wildfire homes. Start with your email — we’ll send your comparison and, if you want, connect you with an agent. Free, no obligation.
$481/yr — typical savings when Idaho homeowners compare carriers.
Lower your wildfire risk in Coeur d'Alene
Get a certified fire mitigation contractor in Idaho
We connect you with trusted, locally-licensed crews who do the physical work that lowers your risk score — and document it so your insurer and Idaho's grant programs recognize it.
What your contractor handles
On-site evaluation of all three zones, documented to insurer and state standards.
Ladder-fuel removal, tree limbing, and brush clearing by trained crews.
Ember-resistant vents, gutter guards, and Zone 1 non-combustible retrofits.
Documentation that unlocks carrier discounts and state grant reimbursements.
Book a free defensible space assessment
Most certified contractors assess at no cost. The visit documents your property to the standard insurers require — and 1 of your recommended actions qualify for Idaho grant or rebate funding.
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✓ Licensed & insured crews
✓ Serving Idaho
✓ No obligation
Defensible space & home hardening →
The specific work that measurably lowers your score — with the grants and tax credits that pay for it.
Is there a fire near Coeur d'Alene right now?
The map above shows active fires from NIFC. For live evacuation alerts, smoke, and incident updates, these official sources are the fastest:
Before the next Red Flag day
Know exactly how to protect your home in Coeur d'Alene — free
Build a personalized, prioritized mitigation plan in 2 minutes — every step tied to the insurance discount, tax credit, and grant it unlocks. Then get a shortlist of trusted local contractors to do the work.
Coeur d'Alene wildfire FAQ
Is Coeur d'Alene at risk for wildfires?
Yes — Coeur d'Alene, Idaho carries a Low wildfire risk rating (9/100 at the high end), so it faces some wildfire exposure. Across the city our federal-data samples range from 4 to 9/100, so risk varies sharply from neighborhood to neighborhood. 8 wildfires have been recorded within 25 miles since 2000. Risk varies street by street, so check your exact address for a precise score.
Is Coeur d'Alene in a high wildfire risk area?
Coeur d'Alene, Idaho carries a Low wildfire risk rating (9/100 at the high end) based on USFS Wildfire Risk to Communities, FEMA National Risk Index, terrain, and recorded fire history. Risk is far from uniform — our samples span low to low across the city, with the high end nearest open wildland and vegetation. Risk varies street by street — check your exact address for a precise score.
How do I check my home's wildfire risk in Coeur d'Alene?
Enter your street address into FireRisk.ai for a free, instant report. It pulls federal data for your exact coordinates and returns a 0–100 risk score, a satellite map of your defensible-space zones, nearby fire history, and your insurance and mitigation options.
Does wildfire risk affect home insurance in Coeur d'Alene?
Yes. Federal hazard data like what's in this report informs insurer and catastrophe modeler inputs in Idaho, and rising-risk areas have seen premium increases and non-renewals. Documenting defensible space and home hardening can unlock discounts and help keep coverage.
More wildfire risk in Idaho
All Idaho wildfire risk →Know your home's exact wildfire risk
Street-level risk in Coeur d'Alene varies enormously. Get your address's precise score, defensible-space map, and insurance options — free, in 30 seconds.
Check Coeur d'Alene address →