Ben Lomond, CA
Ben Lomond, CA's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Ben Lomond lands at the 71st percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 3,019 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Ben Lomond at the 72nd percentile, close to its 71st-percentile risk score.
Ben Lomond's building exposure, zone by zone
73.5% of Ben Lomond's 3,019 buildings sit in USFS's Direct exposure zone, roughly 2,220 structures close enough to burnable vegetation for flame contact, not just embers — 26.5% fall in the Indirect, ember-only zone and 0% are Minimal.
How Ben Lomond compares
Inside California, Ben Lomond sits at just the 28th percentile even though it scores 71st 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, Ben Lomond ranks 9,256 for wildfire risk (1 is highest) and 5,401 by building count (1 is largest). Within California alone, it ranks 1,127 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Shopping for coverage in Ben Lomond
Because Ben Lomond 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
Because Direct exposure dominates in Ben Lomond (73.5%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Ben Lomond's figures come from
The methodology guide shows exactly how USFS turned 3,019 counted buildings into the percentiles shown above for Ben Lomond. The exposure-zones guide covers what Ben Lomond's dominant direct exposure actually means, with real examples from across the dataset.