Covina, CA
How exposed is Covina to wildfire?
Out of every US place USFS scores, Covina lands at the 74th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 15,569 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Covina's burn probability — fire likelihood with no building count factored in — sits at the 73rd percentile nationally.
Where Covina's buildings actually sit
USFS classifies 99.4% of Covina's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 0.6% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one. At 15,569 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Covina ranks
Covina ranks lower within California (32nd percentile statewide) than its 74th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Covina ranks 8,246 for wildfire risk (1 is highest) and 949 by building count (1 is largest). Within California alone, it ranks 1,075 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
Covina 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 74th-percentile score like Covina's can end up mattering for. More on the disclosure law.
Lowering exposure, not just insuring around it
Even with 99.4% of Covina outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 15,569 counted buildings into the percentiles shown above for Covina. For more on what minimal exposure implies beyond Covina, see the exposure-zones guide.