Delhi, CA
How exposed is Delhi to wildfire?
USFS's Wildfire Risk to Communities model puts Delhi at the 81st national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 3,419 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Delhi at the 81st percentile, close to its 81st-percentile risk score.
Delhi's building exposure, zone by zone
Most of Delhi's buildings (74.7% of 3,419) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
How Delhi compares
Delhi's 81st national percentile looks worse in isolation than its 42nd ranking inside California does — this place is on the milder end for its own state, by 39 points. Among the 31,521 US communities USFS scores, Delhi ranks 5,885 for wildfire risk (1 is highest) and 4,887 by building count (1 is largest). Within California alone, it ranks 906 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Delhi and the insurance market
Delhi's 81st-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.
Lowering exposure, not just insuring around it
Even with 74.7% of Delhi 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.
Where Delhi's figures come from
The methodology guide shows exactly how USFS turned 3,419 counted buildings into the percentiles shown above for Delhi. The exposure-zones guide covers what Delhi's dominant minimal exposure actually means, with real examples from across the dataset.