Jovista, CA
How exposed is Jovista to wildfire?
Jovista's 21 buildings earn a 71st-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Jovista at the 71st percentile, close to its 71st-percentile risk score.
Jovista's building exposure, zone by zone
Most of Jovista's buildings (61.9% of 21) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure. This is a small settlement by building count — 21 total — so these shares describe a handful of structures, not a statistical average across thousands.
Where Jovista ranks
Jovista's 71st national percentile looks worse in isolation than its 28th ranking inside California does — this place is on the milder end for its own state, by 42 points. Among the 31,521 US communities USFS scores, Jovista ranks 9,257 for wildfire risk (1 is highest) and 31,449 by building count (1 is largest). Within California alone, it ranks 1,128 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
Jovista's 71st-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.
Hardening a home in Jovista
Jovista's 61.9% 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 Jovista's figures come from
The methodology guide shows exactly how USFS turned 21 counted buildings into the percentiles shown above for Jovista. Small places like Jovista (21 buildings) are exactly where USFS's underlying data gets sparsest — see the data-quality guide for the 517 places that didn't clear the bar.