Concord, CA
Concord, CA's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Concord at the 92nd national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 40,269 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Concord at the 92nd national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Concord's building exposure, zone by zone
Only 2.9% of Concord's 40,269 buildings carry Direct exposure and 31.7% carry Indirect; the remaining 65.4% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 40,269 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Concord ranks
Concord ranks lower within California (66th percentile statewide) than its 92nd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Concord ranks 2,636 for wildfire risk (1 is highest) and 241 by building count (1 is largest). Within California alone, it ranks 542 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Concord and the insurance market
Concord's 92nd-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
Concord's 65.4% 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 Concord's figures come from
The methodology guide shows exactly how USFS turned 40,269 counted buildings into the percentiles shown above for Concord. The exposure-zones guide covers what Concord's dominant minimal exposure actually means, with real examples from across the dataset.