Cobb, CA
Cobb wildfire risk explained
Cobb's 998 buildings earn a 99th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Cobb at the 98th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Cobb's buildings actually sit
998 buildings are counted in Cobb, and 93.5% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
How Cobb compares
Cobb's risk sits at a similar level relative to California (88th percentile statewide) as it does nationally (99th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Cobb ranks 403 for wildfire risk (1 is highest) and 11,946 by building count (1 is largest). Within California alone, it ranks 193 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Cobb and the insurance market
Because Cobb 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.
What would actually reduce this score
Because Direct exposure dominates in Cobb (93.5%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 998 counted buildings into the percentiles shown above for Cobb. For more on what direct exposure implies beyond Cobb, see the exposure-zones guide.