Greenhorn, CA
Greenhorn wildfire risk explained
USFS's Wildfire Risk to Communities model puts Greenhorn at the 98th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 171 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Greenhorn's burn probability — fire likelihood with no building count factored in — sits at the 96th percentile nationally.
Where Greenhorn's buildings actually sit
100% of Greenhorn's 171 buildings sit in USFS's Direct exposure zone, roughly 171 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Greenhorn ranks
Greenhorn's 98th national percentile looks worse in isolation than its 82nd ranking inside California does — this place is on the milder end for its own state, by 16 points. Among the 31,521 US communities USFS scores, Greenhorn ranks 685 for wildfire risk (1 is highest) and 25,974 by building count (1 is largest). Within California alone, it ranks 278 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
Greenhorn's 98th-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.
Hardening a home in Greenhorn
Because Direct exposure dominates in Greenhorn (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Greenhorn's figures come from
The methodology guide shows exactly how USFS turned 171 counted buildings into the percentiles shown above for Greenhorn. The exposure-zones guide covers what Greenhorn's dominant direct exposure actually means, with real examples from across the dataset.