Cloverdale, CA
Cloverdale wildfire risk explained
USFS's Wildfire Risk to Communities model puts Cloverdale at the 92nd national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 3,718 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Cloverdale at the 92nd percentile, close to its 92nd-percentile risk score.
Where Cloverdale's buildings actually sit
3,718 buildings are counted in Cloverdale, and 89% of them are Indirect exposure — ember-driven risk rather than the 11% in Direct exposure or the 0% rated Minimal.
Cloverdale against the rest of the country
Cloverdale's 92nd national percentile looks worse in isolation than its 67th ranking inside California does — this place is on the milder end for its own state, by 25 points. Among the 31,521 US communities USFS scores, Cloverdale ranks 2,386 for wildfire risk (1 is highest) and 4,502 by building count (1 is largest). Within California alone, it ranks 515 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Cloverdale and the insurance market
Because Cloverdale 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.
Hardening a home in Cloverdale
Because 89% of Cloverdale'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 Cloverdale's figures come from
The methodology guide shows exactly how USFS turned 3,718 counted buildings into the percentiles shown above for Cloverdale. The exposure-zones guide covers what Cloverdale's dominant indirect exposure actually means, with real examples from across the dataset.