Iron Horse, CA
Iron Horse, CA's wildfire risk, in USFS's own numbers
Iron Horse's 223 buildings earn a 99th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Iron Horse at the 98th percentile, close to its 99th-percentile risk score.
Where Iron Horse's buildings actually sit
223 buildings are counted in Iron Horse, and 100% 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.
Iron Horse against the rest of the country
There's little gap between Iron Horse's 99th national percentile and its 88th percentile inside California, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Iron Horse ranks 405 for wildfire risk (1 is highest) and 24,001 by building count (1 is largest). Within California alone, it ranks 195 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
Because Iron Horse is in California, a wildfire-hazard disclosure is legally required before a sale closes here — unusual nationally, since only these two states mandate it. The state's FAIR Plan alone carried 668,609 policies by the end of 2025. Full detail in the disclosure-law guide.
What would actually reduce this score
Because Direct exposure dominates in Iron Horse (100%), 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 223 counted buildings into the percentiles shown above for Iron Horse. For more on what direct exposure implies beyond Iron Horse, see the exposure-zones guide.