Inverness, CA
Inverness wildfire risk explained
USFS's Wildfire Risk to Communities model puts Inverness at the 90th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 1,334 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Inverness at the 91st national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
96% of Inverness's 1,334 buildings sit in USFS's Direct exposure zone, roughly 1,280 structures close enough to burnable vegetation for flame contact, not just embers — 2.1% fall in the Indirect, ember-only zone and 2% are Minimal.
Where Inverness ranks
Inverness's 90th national percentile looks worse in isolation than its 61st ranking inside California does — this place is on the milder end for its own state, by 29 points. Among the 31,521 US communities USFS scores, Inverness ranks 3,270 for wildfire risk (1 is highest) and 9,913 by building count (1 is largest). Within California alone, it ranks 620 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Shopping for coverage in Inverness
Inverness's 90th-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
Because Direct exposure dominates in Inverness (96%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,334 counted buildings into the percentiles shown above for Inverness. For more on what direct exposure implies beyond Inverness, see the exposure-zones guide.