Galt, CA
How exposed is Galt to wildfire?
USFS's Wildfire Risk to Communities model puts Galt at the 76th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 8,492 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Galt at the 78th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Galt's buildings actually sit
Galt rates 53.4% Minimal exposure against just 6.6% Direct and 40% Indirect — of 8,492 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually. At 8,492 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Galt ranks
Inside California, Galt sits at just the 35th percentile even though it scores 76th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Galt ranks 7,555 for wildfire risk (1 is highest) and 1,957 by building count (1 is largest). Within California alone, it ranks 1,025 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
Galt's 76th-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.
What would actually reduce this score
Galt's 53.4% 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
Every one of the two percentiles behind Galt's 7,555-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Galt, see the exposure-zones guide.