Hamilton City, CA
Hamilton City, CA's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Hamilton City at the 87th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 789 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Hamilton City at the 88th percentile, close to its 87th-percentile risk score.
Where Hamilton City's buildings actually sit
USFS puts 93.9% of Hamilton City's 789 buildings in the Indirect exposure zone, versus 6.1% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Hamilton City compares
Hamilton City ranks lower within California (56th percentile statewide) than its 87th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Hamilton City ranks 3,960 for wildfire risk (1 is highest) and 13,737 by building count (1 is largest). Within California alone, it ranks 697 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Shopping for coverage in Hamilton City
Hamilton City sits in California, one of two states that legally require a wildfire-risk disclosure at sale. California's FAIR Plan, the state's insurer of last resort, ended 2025 with 668,609 residential policies after adding 21,859 in Q4 alone — the kind of market shift a 87th-percentile score like Hamilton City's can end up mattering for. More on the disclosure law.
Lowering exposure, not just insuring around it
Because 93.9% of Hamilton City'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.
Where Hamilton City's figures come from
Hamilton City's 87th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Hamilton City's dominant indirect exposure actually means, with real examples from across the dataset.