Farmersville, CA
Farmersville wildfire risk explained
USFS scores Farmersville at the 86th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 3,108 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Farmersville's burn probability — fire likelihood with no building count factored in — sits at the 88th percentile nationally.
What "at risk" means for the buildings here
USFS puts 68.3% of Farmersville's 3,108 buildings in the Indirect exposure zone, versus 13.1% Direct and 18.6% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Farmersville ranks
Farmersville ranks lower within California (53rd percentile statewide) than its 86th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Farmersville ranks 4,337 for wildfire risk (1 is highest) and 5,280 by building count (1 is largest). Within California alone, it ranks 741 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
Farmersville's 86th-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
With ember exposure the dominant pattern in Farmersville (68.3% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Farmersville's 86th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Farmersville, see the exposure-zones guide.