Wildfire Risk in Spokane County, WA
Spokane County combines a growing metro with surrounding grassland, pine, and shrub-steppe — a wildland-urban interface that produced two destructive, deadly fires on a single August afternoon in 2023.
Risk Score
16/100
Low Risk
Wildfire hazard in Spokane County
Spokane County, Washington is rated Low risk (16/100). Spokane County carries a comparatively low wildfire-hazard rating, but “low” is never “none” in the West (a 16/100 FireRisk). the USFS Wildfire Risk to Communities model rates the risk to structures here as Minimal, FEMA’s National Risk Index rates it Not available. Federal records show 8 wildfires within 25 miles since 2000 — the closest, the Spokane Valley (2008), burned about 5.0 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 Spokane County
Fire history
In August 2023 the Gray Fire (about 10,000 acres) destroyed roughly 240–260 structures in Medical Lake, and the Oregon Road Fire near Elk burned about 8,300 acres and dozens of homes — both ignited the same day under high winds, killing two people combined. Grass and pine fires recur across the county each summer.
Terrain & fuels
Ponderosa pine, grassland, and shrub-steppe ring the metro and rural communities; hot, dry summers and strong afternoon winds drive fast fires through the wildland-urban edge.
Insurance outlook
WUI ZIPs face tighter underwriting after 2023; defensible space in grass and pine is an increasing condition of coverage.
Local programs & resources
- WA DNR Wildfire Ready Neighbors. Free home wildfire assessments and action plans.
- Firewise USA. A recognized community wildfire-mitigation program; participating neighborhoods can qualify for grants and, with some carriers, premium credits.
Fire history near Spokane County
8 federally recorded wildfires (2000–2024) within 25 miles. The closest is Spokane Valley (2008), 5.0 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 Spokane County
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 Spokane County wildfire risk means for your insurance
Total potential savings
$2,717/yr
Across 10 programs you may qualify for
$577recurring/yr
$10,700one-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
Firewise USA Community Discount
5–15% premium reductionResidents of NFPA-recognized Firewise USA communities qualify for discounts from State Farm, Farmers, and many regional carriers. Over 1,600 communities are recognized nationwide. Check firewise.org/find-a-firewise-community to see if yours qualifies.
✓ Residents of officially recognized Firewise USA communities — verify with your carrier
Washington Firewise Community Discount
5–10% premium reductionMutual of Enumclaw and Pacific NW regional carriers recognize Firewise USA. Strong programs in Chelan, Okanogan, and Kittitas counties. Wenatchee, Leavenworth, and Cle Elum areas have well-established community programs.
✓ Residents of WA Firewise USA 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
WA DNR Small Landowner Assistance Program (SLAP)
Up to $10,000 (50–75% match)Washington DNR's SLAP reimburses 50–75% of fuels reduction, thinning, and prescribed fire costs on private forestland. Most active in Eastern WA (Okanogan, Chelan, Spokane, Ferry counties). Applications open annually — contact your local DNR region.
✓ WA private forestland owners, primarily East of Cascades — apply at dnr.wa.gov
USDA NRCS EQIP Fuels Reduction Grant
Up to $150,000 (agricultural)USDA Natural Resources Conservation Service pays 50–75% of wildfire-related conservation work (prescribed burns, thinning, silvopasture) on rural/agricultural land through the Environmental Quality Incentives Program. Application windows open annually in fall at local NRCS service centers.
✓ Agricultural producers and rural landowners — find your office at nrcs.usda.gov
WA DNR Homeowner Defensible Space Program
Free assessment + up to $2,000 rebateFree defensible space assessments from DNR-certified specialists and rebates for completed work. Focused on Eastern WA WUI communities in Chelan, Kittitas, Douglas, and Okanogan counties. Check dnr.wa.gov/wildfire for current funding cycles.
✓ WA WUI homeowners primarily in Eastern Washington
USDA Forest Service State Fire Assistance
Varies (state forestry passthrough)USDA Forest Service allocates State Fire Assistance (SFA) grants to every state forestry agency, which then distributes them as cost-share programs and grants to private landowners. This is the funding backbone for most state-level wildfire programs listed below.
✓ Apply through your state's forestry agency — universally available in all 50 states
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 — but embers travel up to a mile.
Documenting your defensible space now locks in the best available rates and protects your coverage if your area reclassifies.
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 compare wildfire-specialist carriers licensed in Washington — including ones that still write low-risk homes — to find who covers you and what they charge. Free, no obligation.
$577/yr — typical savings when Washington homeowners compare carriers.
“My insurer didn’t renew me after 11 years. FireRisk matched me with two carriers that same week — saving $2,100 a year now.”
Sarah K. · Boulder, CO · previously High Risk
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Lower your wildfire risk in Spokane County
Get a certified fire mitigation contractor in Spokane County
We connect you with vetted, locally-licensed crews who do the physical work that lowers your risk score — and document it so your insurer and Washington'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 Washington grant or rebate funding.
$0
assessment
✓ Licensed & insured crews
✓ Serving Spokane County
✓ 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 Spokane County 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 Spokane County — 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 hand-checked shortlist of vetted local contractors to do the work.
Spokane County wildfire FAQ
Is Spokane County at risk for wildfires?
Yes — Spokane County, Washington carries a Low wildfire risk rating (16/100), so it faces some wildfire exposure. 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 Spokane County in a high wildfire risk area?
Spokane County, Washington carries a Low wildfire risk rating (16/100) based on USFS Wildfire Risk to Communities, FEMA National Risk Index, terrain, and recorded fire history. Risk varies street by street — check your exact address for a precise score.
How do I check my home's wildfire risk in Spokane County?
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 Spokane County?
Yes. Insurers price Washington policies off the same federal hazard data in this report, 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 Washington
Official Washington resources
Know your home's exact wildfire risk
Street-level risk in Spokane County varies enormously. Get your address's precise score, defensible-space map, and insurance options — free, in 30 seconds.
Check Spokane County address →