Ione, CA
How exposed is Ione to wildfire?
USFS's Wildfire Risk to Communities model puts Ione at the 93rd national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 2,477 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Ione's burn probability — fire likelihood with no building count factored in — sits at the 94th percentile nationally.
Where Ione's buildings actually sit
USFS puts 81.6% of Ione's 2,477 buildings in the Indirect exposure zone, versus 18.4% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Ione ranks
Ione ranks lower within California (69th percentile statewide) than its 93rd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Ione ranks 2,195 for wildfire risk (1 is highest) and 6,345 by building count (1 is largest). Within California alone, it ranks 493 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
What this risk score means for insurance
Ione 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 93rd-percentile score like Ione's can end up mattering for. More on the disclosure law.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Ione (81.6% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
The methodology guide shows exactly how USFS turned 2,477 counted buildings into the percentiles shown above for Ione. For more on what indirect exposure implies beyond Ione, see the exposure-zones guide.