Fillmore, CA
Fillmore, CA's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Fillmore lands at the 90th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 4,918 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Fillmore's burn probability — fire likelihood with no building count factored in — sits at the 90th percentile nationally.
What "at risk" means for the buildings here
USFS puts 96.6% of Fillmore's 4,918 buildings in the Indirect exposure zone, versus 3.4% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Fillmore ranks
Fillmore's 90th national percentile looks worse in isolation than its 62nd ranking inside California does — this place is on the milder end for its own state, by 28 points. Among the 31,521 US communities USFS scores, Fillmore ranks 3,018 for wildfire risk (1 is highest) and 3,478 by building count (1 is largest). Within California alone, it ranks 592 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
Fillmore's 90th-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 Fillmore (96.6% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Fillmore's figures come from
Every one of the two percentiles behind Fillmore's 3,018-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Fillmore's dominant indirect exposure actually means, with real examples from across the dataset.