Healdsburg, CA
Healdsburg wildfire risk explained
Out of every US place USFS scores, Healdsburg lands at the 77th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 5,779 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Healdsburg at the 78th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Healdsburg's building exposure, zone by zone
85.4% of Healdsburg's 5,779 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 14.4% Direct and 0.2% Minimal. Vent screens and roofing material matter more here than lot clearing alone. At 5,779 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Healdsburg against the rest of the country
Healdsburg ranks lower within California (36th percentile statewide) than its 77th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Healdsburg ranks 7,206 for wildfire risk (1 is highest) and 2,995 by building count (1 is largest). Within California alone, it ranks 1,001 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Healdsburg and the insurance market
Healdsburg's 77th-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.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Healdsburg (85.4% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Healdsburg's figures come from
Healdsburg's 77th-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 Healdsburg's dominant indirect exposure actually means, with real examples from across the dataset.