Bay Point, CA
Bay Point, CA's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Bay Point at the 83rd national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 6,460 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Bay Point at the 85th 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
Indirect exposure is dominant in Bay Point (85.1% of 6,460 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 2.4% sit in the Direct zone. At 6,460 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Bay Point ranks
Inside California, Bay Point sits at just the 45th percentile even though it scores 83rd 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, Bay Point ranks 5,346 for wildfire risk (1 is highest) and 2,688 by building count (1 is largest). Within California alone, it ranks 863 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Bay Point and the insurance market
Because Bay Point is in California, a wildfire-hazard disclosure is legally required before a sale closes here — unusual nationally, since only these two states mandate it. The state's FAIR Plan alone carried 668,609 policies by the end of 2025. Full detail in the disclosure-law guide.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Bay Point (85.1% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Every one of the two percentiles behind Bay Point's 5,346-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Bay Point, see the exposure-zones guide.