Hermosa Beach, CA
Hermosa Beach wildfire risk explained
USFS's Wildfire Risk to Communities model puts Hermosa Beach at the 27th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 6,758 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 Hermosa Beach at the 33rd percentile, close to its 27th-percentile risk score.
Where Hermosa Beach's buildings actually sit
99.9% of Hermosa Beach's 6,758 buildings sit in USFS's Minimal exposure zone, with only 0.1% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself. At 6,758 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Hermosa Beach ranks
Hermosa Beach's 27th national percentile looks worse in isolation than its 2nd ranking inside California does — this place is on the milder end for its own state, by 25 points. Among the 31,521 US communities USFS scores, Hermosa Beach ranks 22,902 for wildfire risk (1 is highest) and 2,561 by building count (1 is largest). Within California alone, it ranks 1,533 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Shopping for coverage in Hermosa Beach
Hermosa Beach 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 27th-percentile score like Hermosa Beach's can end up mattering for. More on the disclosure law.
Lowering exposure, not just insuring around it
Hermosa Beach's 99.9% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Hermosa Beach's figures come from
Every one of the two percentiles behind Hermosa Beach's 22,902-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Hermosa Beach's dominant minimal exposure actually means, with real examples from across the dataset.