Idyllwild-Pine Cove, CA
Idyllwild-Pine Cove, CA's wildfire risk, in USFS's own numbers
Idyllwild-Pine Cove sits at the 100th 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 4,063 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Idyllwild-Pine Cove at the 100th percentile, close to its 100th-percentile risk score.
Idyllwild-Pine Cove's building exposure, zone by zone
4,063 buildings are counted in Idyllwild-Pine Cove, and 91.2% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Idyllwild-Pine Cove against the rest of the country
There's little gap between Idyllwild-Pine Cove's 100th national percentile and its 99th percentile inside California, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Idyllwild-Pine Cove ranks 28 for wildfire risk (1 is highest) and 4,176 by building count (1 is largest). Within California alone, it ranks 17 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Idyllwild-Pine Cove and the insurance market
Idyllwild-Pine Cove's 100th-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.
What would actually reduce this score
Idyllwild-Pine Cove's 91.2% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Every one of the two percentiles behind Idyllwild-Pine Cove's 28-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Idyllwild-Pine Cove, see the exposure-zones guide.