Clearlake Oaks, CA
Clearlake Oaks, CA's wildfire risk, in USFS's own numbers
USFS scores Clearlake Oaks at the 99th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 2,238 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Clearlake Oaks at the 99th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Clearlake Oaks's building exposure, zone by zone
2,238 buildings are counted in Clearlake Oaks, and 90.8% of them are Indirect exposure — ember-driven risk rather than the 8.9% in Direct exposure or the 0.2% rated Minimal.
Clearlake Oaks against the rest of the country
There's little gap between Clearlake Oaks's 99th national percentile and its 91st percentile inside California, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Clearlake Oaks ranks 242 for wildfire risk (1 is highest) and 6,840 by building count (1 is largest). Within California alone, it ranks 133 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Clearlake Oaks and the insurance market
Because Clearlake Oaks 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
Because 90.8% of Clearlake Oaks's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Clearlake Oaks's figures come from
The methodology guide shows exactly how USFS turned 2,238 counted buildings into the percentiles shown above for Clearlake Oaks. The exposure-zones guide covers what Clearlake Oaks's dominant indirect exposure actually means, with real examples from across the dataset.