Cazadero, CA
Cazadero, CA's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Cazadero at the 80th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 457 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Cazadero at the 79th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Cazadero's building exposure, zone by zone
457 buildings are counted in Cazadero, and 99.3% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Cazadero against the rest of the country
Cazadero's 80th national percentile looks worse in isolation than its 40th ranking inside California does — this place is on the milder end for its own state, by 40 points. Among the 31,521 US communities USFS scores, Cazadero ranks 6,452 for wildfire risk (1 is highest) and 18,119 by building count (1 is largest). Within California alone, it ranks 946 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
Cazadero's 80th-percentile score lands in California, the only two states requiring a wildfire disclosure at sale. California's surplus-lines homeowners market passed 300,000 policies for the first time in 2025, driven by carriers pulling back from wildfire-exposed areas statewide. The disclosure-law guide covers what it requires.
What would actually reduce this score
Cazadero's 99.3% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Cazadero's 80th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Cazadero, see the exposure-zones guide.