Coloma, CA
Coloma, CA's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Coloma lands at the 99th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 514 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Coloma at the 99th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Coloma's building exposure, zone by zone
98.3% of Coloma's 514 buildings sit in USFS's Direct exposure zone, roughly 505 structures close enough to burnable vegetation for flame contact, not just embers — 1.8% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Coloma ranks
Coloma scores 99th nationally and 90th 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, Coloma ranks 303 for wildfire risk (1 is highest) and 17,115 by building count (1 is largest). Within California alone, it ranks 156 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
Because Coloma 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
Coloma's 98.3% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 514 counted buildings into the percentiles shown above for Coloma. For more on what direct exposure implies beyond Coloma, see the exposure-zones guide.