Granite Bay, CA
Granite Bay wildfire risk explained
Granite Bay sits at the 88th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 10,034 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Granite Bay's burn probability — fire likelihood with no building count factored in — sits at the 86th percentile nationally.
Where Granite Bay's buildings actually sit
Of Granite Bay's 10,034 counted buildings, 48.1% carry Direct exposure and only 39.7% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first. At 10,034 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Granite Bay ranks
Granite Bay's 88th national percentile looks worse in isolation than its 57th ranking inside California does — this place is on the milder end for its own state, by 31 points. Among the 31,521 US communities USFS scores, Granite Bay ranks 3,771 for wildfire risk (1 is highest) and 1,602 by building count (1 is largest). Within California alone, it ranks 680 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Granite Bay and the insurance market
Because Granite Bay 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.
What would actually reduce this score
Because Direct exposure dominates in Granite Bay (48.1%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Granite Bay's figures come from
Every one of the two percentiles behind Granite Bay's 3,771-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Granite Bay's dominant direct exposure actually means, with real examples from across the dataset.