Biola, CA
Biola wildfire risk explained
USFS scores Biola at the 58th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 421 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Biola at the 56th percentile, close to its 58th-percentile risk score.
Biola's building exposure, zone by zone
Most of Biola's buildings (98.1% of 421) 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.
Biola against the rest of the country
Biola's 58th national percentile looks worse in isolation than its 16th ranking inside California does — this place is on the milder end for its own state, by 42 points. Among the 31,521 US communities USFS scores, Biola ranks 13,131 for wildfire risk (1 is highest) and 18,795 by building count (1 is largest). Within California alone, it ranks 1,314 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Shopping for coverage in Biola
Because Biola 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
Even with 98.1% of Biola 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 Biola's figures come from
Every one of the two percentiles behind Biola's 13,131-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Biola's dominant minimal exposure actually means, with real examples from across the dataset.