Commerce, CA
Commerce wildfire risk explained
USFS scores Commerce at the 35th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 5,185 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Commerce's burn probability — fire likelihood with no building count factored in — sits at the 41st percentile nationally.
What "at risk" means for the buildings here
Only 0.1% of Commerce's 5,185 buildings carry Direct exposure and 0% carry Indirect; the remaining 99.9% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 5,185 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Commerce ranks
Commerce ranks lower within California (4th percentile statewide) than its 35th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Commerce ranks 20,568 for wildfire risk (1 is highest) and 3,320 by building count (1 is largest). Within California alone, it ranks 1,511 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
Commerce sits in California, one of two states that legally require a wildfire-risk disclosure at sale. California's FAIR Plan, the state's insurer of last resort, ended 2025 with 668,609 residential policies after adding 21,859 in Q4 alone — the kind of market shift a 35th-percentile score like Commerce's can end up mattering for. More on the disclosure law.
Lowering exposure, not just insuring around it
Commerce's 99.9% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Commerce's figures come from
Every one of the two percentiles behind Commerce's 20,568-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Commerce's dominant minimal exposure actually means, with real examples from across the dataset.