Albany, CA
Albany, CA's wildfire risk, in USFS's own numbers
Albany's 5,486 buildings earn a 59th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Albany at the 61st national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Only 0.4% of Albany's 5,486 buildings carry Direct exposure and 0% carry Indirect; the remaining 99.7% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 5,486 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Albany ranks
Inside California, Albany sits at just the 17th percentile even though it scores 59th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Albany ranks 12,848 for wildfire risk (1 is highest) and 3,145 by building count (1 is largest). Within California alone, it ranks 1,297 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
What this risk score means for insurance
Albany's 59th-percentile score lands in California, the only two states requiring a wildfire disclosure at sale. California's surplus-lines homeowners market passed 300,000 policies for the first time in 2025, driven by carriers pulling back from wildfire-exposed areas statewide. The disclosure-law guide covers what it requires.
What would actually reduce this score
Even with 99.7% of Albany 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.
Where Albany's figures come from
Albany's 59th-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 Albany's dominant minimal exposure actually means, with real examples from across the dataset.