Bluewater, CA
How exposed is Bluewater to wildfire?
USFS scores Bluewater at the 49th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 509 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 Bluewater at the 54th percentile, close to its 49th-percentile risk score.
Where Bluewater's buildings actually sit
509 buildings are counted in Bluewater, and 86.8% of them are Indirect exposure — ember-driven risk rather than the 6.3% in Direct exposure or the 6.9% rated Minimal.
How Bluewater compares
Bluewater's 49th national percentile looks worse in isolation than its 10th ranking inside California does — this place is on the milder end for its own state, by 39 points. Among the 31,521 US communities USFS scores, Bluewater ranks 15,967 for wildfire risk (1 is highest) and 17,182 by building count (1 is largest). Within California alone, it ranks 1,412 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Shopping for coverage in Bluewater
Because Bluewater 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
Bluewater's 86.8% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Bluewater's figures come from
Every one of the two percentiles behind Bluewater's 15,967-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Bluewater's dominant indirect exposure actually means, with real examples from across the dataset.