Camarillo, CA
How exposed is Camarillo to wildfire?
Out of every US place USFS scores, Camarillo lands at the 68th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 24,694 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Camarillo at the 67th national percentile — 2 points below 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 Camarillo (61.8% of 24,694 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 6.2% sit in the Direct zone. At 24,694 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Camarillo against the rest of the country
Camarillo's 68th national percentile looks worse in isolation than its 26th ranking inside California does — this place is on the milder end for its own state, by 43 points. Among the 31,521 US communities USFS scores, Camarillo ranks 9,981 for wildfire risk (1 is highest) and 517 by building count (1 is largest). Within California alone, it ranks 1,165 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
Because Camarillo 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.
What would actually reduce this score
Camarillo's 61.8% 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 Camarillo's figures come from
Every one of the two percentiles behind Camarillo's 9,981-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Camarillo's dominant indirect exposure actually means, with real examples from across the dataset.