Clio, CA
How exposed is Clio to wildfire?
USFS scores Clio at the 98th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 81 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Clio at the 98th percentile, close to its 98th-percentile risk score.
Clio's building exposure, zone by zone
Of Clio's 81 counted buildings, 85.2% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Clio compares
Clio's risk sits at a similar level relative to California (85th percentile statewide) as it does nationally (98th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Clio ranks 494 for wildfire risk (1 is highest) and 29,836 by building count (1 is largest). Within California alone, it ranks 223 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Clio and the insurance market
Clio's 98th-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.
Lowering exposure, not just insuring around it
With 85.2% of Clio in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 81 counted buildings into the percentiles shown above for Clio. For more on what direct exposure implies beyond Clio, see the exposure-zones guide.