Derby Acres, CA
Derby Acres, CA's wildfire risk, in USFS's own numbers
USFS scores Derby Acres at the 77th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 316 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Derby Acres at the 78th percentile, close to its 77th-percentile risk score.
What "at risk" means for the buildings here
USFS classifies 44.6% of Derby Acres's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 43.7% Direct and 11.7% Indirect — a landscape-level risk rather than a building-by-building one.
How Derby Acres compares
Derby Acres ranks lower within California (36th percentile statewide) than its 77th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Derby Acres ranks 7,242 for wildfire risk (1 is highest) and 21,200 by building count (1 is largest). Within California alone, it ranks 1,006 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Derby Acres and the insurance market
Derby Acres's 77th-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
Derby Acres's 44.6% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 316 counted buildings into the percentiles shown above for Derby Acres. For more on what minimal exposure implies beyond Derby Acres, see the exposure-zones guide.