French Camp, CA
How exposed is French Camp to wildfire?
French Camp sits at the 71st percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 1,301 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, French Camp's burn probability — fire likelihood with no building count factored in — sits at the 71st percentile nationally.
Where French Camp's buildings actually sit
Most of French Camp's buildings (52.7% of 1,301) 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 French Camp compares
French Camp ranks lower within California (28th percentile statewide) than its 71st national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, French Camp ranks 9,289 for wildfire risk (1 is highest) and 10,072 by building count (1 is largest). Within California alone, it ranks 1,129 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
Because French Camp is in California, a wildfire-hazard disclosure is legally required before a sale closes here — unusual nationally, since only these two states mandate it. The state's FAIR Plan alone carried 668,609 policies by the end of 2025. Full detail in the disclosure-law guide.
Lowering exposure, not just insuring around it
With 52.7% of buildings rated Minimal exposure, French Camp gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
French Camp's 71st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond French Camp, see the exposure-zones guide.