Bloomington, CA
Bloomington, CA's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Bloomington at the 80th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 7,985 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Bloomington at the 82nd 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
Most of Bloomington's buildings (70.1% of 7,985) 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 7,985 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Bloomington against the rest of the country
Inside California, Bloomington sits at just the 41st percentile even though it scores 80th 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, Bloomington ranks 6,324 for wildfire risk (1 is highest) and 2,117 by building count (1 is largest). Within California alone, it ranks 933 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
What this risk score means for insurance
Bloomington sits in California, one of two states that legally require a wildfire-risk disclosure at sale. California's FAIR Plan, the state's insurer of last resort, ended 2025 with 668,609 residential policies after adding 21,859 in Q4 alone — the kind of market shift a 80th-percentile score like Bloomington's can end up mattering for. More on the disclosure law.
Lowering exposure, not just insuring around it
Bloomington's 70.1% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Bloomington's figures come from
Bloomington's 80th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Bloomington's dominant minimal exposure actually means, with real examples from across the dataset.