Kelly Ridge, CA
Kelly Ridge wildfire risk explained
Out of every US place USFS scores, Kelly Ridge lands at the 90th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 1,654 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Kelly Ridge at the 90th percentile, close to its 90th-percentile risk score.
Kelly Ridge's building exposure, zone by zone
USFS puts 83.6% of Kelly Ridge's 1,654 buildings in the Indirect exposure zone, versus 16.3% Direct and 0.1% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Kelly Ridge against the rest of the country
Kelly Ridge'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, Kelly Ridge ranks 3,205 for wildfire risk (1 is highest) and 8,577 by building count (1 is largest). Within California alone, it ranks 611 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Shopping for coverage in Kelly Ridge
Kelly Ridge 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 90th-percentile score like Kelly Ridge'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 Kelly Ridge (83.6% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Kelly Ridge's figures come from
Kelly Ridge's 90th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Kelly Ridge's dominant indirect exposure actually means, with real examples from across the dataset.