Grand Terrace, CA
Grand Terrace, CA's wildfire risk, in USFS's own numbers
USFS scores Grand Terrace at the 84th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 4,152 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Grand Terrace's burn probability — fire likelihood with no building count factored in — sits at the 86th percentile nationally.
Where Grand Terrace's buildings actually sit
USFS puts 95.1% of Grand Terrace's 4,152 buildings in the Indirect exposure zone, versus 4.9% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Grand Terrace ranks
Grand Terrace ranks lower within California (47th percentile statewide) than its 84th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Grand Terrace ranks 5,065 for wildfire risk (1 is highest) and 4,101 by building count (1 is largest). Within California alone, it ranks 829 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 Grand Terrace 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.
Hardening a home in Grand Terrace
Because 95.1% of Grand Terrace's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
Grand Terrace's 84th-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 Grand Terrace, see the exposure-zones guide.