Coarsegold, CA
Coarsegold wildfire risk explained
Out of every US place USFS scores, Coarsegold lands at the 99th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 2,627 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Coarsegold at the 99th percentile, close to its 99th-percentile risk score.
Coarsegold's building exposure, zone by zone
USFS classifies 94.8% of Coarsegold's buildings as Direct exposure, higher than its 5.2% Indirect share and far above its 0% Minimal share — a profile where 2,490 structures sit close enough to vegetation that lot clearing matters most.
Coarsegold against the rest of the country
Coarsegold scores 99th nationally and 89th within California — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Coarsegold ranks 366 for wildfire risk (1 is highest) and 6,054 by building count (1 is largest). Within California alone, it ranks 177 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Coarsegold and the insurance market
Because Coarsegold 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
With 94.8% of Coarsegold 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.
Where Coarsegold's figures come from
Coarsegold's 99th-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 Coarsegold's dominant direct exposure actually means, with real examples from across the dataset.