Arcadia, CA
Arcadia, CA's wildfire risk, in USFS's own numbers
USFS scores Arcadia at the 97th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 19,917 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Arcadia's burn probability — fire likelihood with no building count factored in — sits at the 95th percentile nationally.
Arcadia's building exposure, zone by zone
Only 4.3% of Arcadia's 19,917 buildings carry Direct exposure and 15.9% carry Indirect; the remaining 79.8% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 19,917 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Arcadia against the rest of the country
Inside California, Arcadia sits at just the 79th percentile even though it scores 97th 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, Arcadia ranks 933 for wildfire risk (1 is highest) and 707 by building count (1 is largest). Within California alone, it ranks 324 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Arcadia and the insurance market
Arcadia's 97th-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.
Lowering exposure, not just insuring around it
With 79.8% of buildings rated Minimal exposure, Arcadia gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Arcadia's 97th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Arcadia, see the exposure-zones guide.