Chino, CA
Chino, CA's wildfire risk, in USFS's own numbers
Chino's 25,000 buildings earn a 85th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Chino at the 88th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Chino's buildings actually sit
USFS classifies 90.2% of Chino's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 3.9% Direct and 5.9% Indirect — a landscape-level risk rather than a building-by-building one. At 25,000 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Chino against the rest of the country
Chino's 85th national percentile looks worse in isolation than its 50th ranking inside California does — this place is on the milder end for its own state, by 35 points. Among the 31,521 US communities USFS scores, Chino ranks 4,749 for wildfire risk (1 is highest) and 507 by building count (1 is largest). Within California alone, it ranks 791 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
Chino's 85th-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.
Hardening a home in Chino
With 90.2% of buildings rated Minimal exposure, Chino gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Chino's figures come from
Chino's 85th-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 Chino's dominant minimal exposure actually means, with real examples from across the dataset.