Clear Creek, CA
How exposed is Clear Creek to wildfire?
USFS scores Clear Creek at the 96th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 122 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Clear Creek at the 95th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Clear Creek's buildings actually sit
USFS classifies 100% of Clear Creek's buildings as Direct exposure, higher than its 0% Indirect share and far above its 0% Minimal share — a profile where 122 structures sit close enough to vegetation that lot clearing matters most.
Clear Creek against the rest of the country
Inside California, Clear Creek sits at just the 78th percentile even though it scores 96th 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, Clear Creek ranks 1,156 for wildfire risk (1 is highest) and 28,048 by building count (1 is largest). Within California alone, it ranks 354 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
Clear Creek's 96th-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
Clear Creek's 100% 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
Clear Creek's 96th-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 Clear Creek, see the exposure-zones guide.