Arden-Arcade, CA
Arden-Arcade, CA's wildfire risk, in USFS's own numbers
Arden-Arcade sits at the 53rd percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 27,637 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Arden-Arcade's burn probability — fire likelihood with no building count factored in — sits at the 55th percentile nationally.
Arden-Arcade's building exposure, zone by zone
Most of Arden-Arcade's buildings (92.7% of 27,637) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure. At 27,637 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Arden-Arcade ranks
Arden-Arcade ranks lower within California (13th percentile statewide) than its 53rd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Arden-Arcade ranks 14,677 for wildfire risk (1 is highest) and 441 by building count (1 is largest). Within California alone, it ranks 1,366 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Arden-Arcade and the insurance market
Arden-Arcade's 53rd-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 92.7% of buildings rated Minimal exposure, Arden-Arcade gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Arden-Arcade's figures come from
The methodology guide shows exactly how USFS turned 27,637 counted buildings into the percentiles shown above for Arden-Arcade. The exposure-zones guide covers what Arden-Arcade's dominant minimal exposure actually means, with real examples from across the dataset.