Cohasset, CA
How exposed is Cohasset to wildfire?
USFS scores Cohasset at the 99th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 434 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Cohasset's burn probability — fire likelihood with no building count factored in — sits at the 99th percentile nationally.
What "at risk" means for the buildings here
434 buildings are counted in Cohasset, and 100% 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.
Where Cohasset ranks
Cohasset's risk sits at a similar level relative to California (90th 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, Cohasset ranks 272 for wildfire risk (1 is highest) and 18,556 by building count (1 is largest). Within California alone, it ranks 147 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
What this risk score means for insurance
Cohasset's 99th-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.
What would actually reduce this score
Cohasset's 100% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Cohasset's figures come from
Every one of the two percentiles behind Cohasset's 272-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Cohasset's dominant direct exposure actually means, with real examples from across the dataset.