Kelseyville, CA
Kelseyville, CA's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Kelseyville lands at the 100th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 1,862 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Kelseyville at the 100th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Kelseyville's building exposure, zone by zone
1,862 buildings are counted in Kelseyville, and 75.4% of them are Indirect exposure — ember-driven risk rather than the 24.6% in Direct exposure or the 0% rated Minimal.
Kelseyville against the rest of the country
There's little gap between Kelseyville's 100th national percentile and its 97th percentile inside California, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Kelseyville ranks 93 for wildfire risk (1 is highest) and 7,873 by building count (1 is largest). Within California alone, it ranks 57 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Kelseyville and the insurance market
Kelseyville's 100th-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
Kelseyville's 75.4% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Kelseyville's figures come from
Kelseyville's 100th-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 Kelseyville's dominant indirect exposure actually means, with real examples from across the dataset.