Keswick, CA
How exposed is Keswick to wildfire?
Keswick's 235 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.)
Separately from the risk score above, Keswick's burn probability — fire likelihood with no building count factored in — sits at the 99th percentile nationally.
Where Keswick's buildings actually sit
Direct exposure dominates in Keswick: 57.9% of its 235 buildings, versus 42.1% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Keswick against the rest of the country
Keswick scores 99th nationally and 86th within California — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Keswick ranks 472 for wildfire risk (1 is highest) and 23,621 by building count (1 is largest). Within California alone, it ranks 218 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
Keswick's 99th-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.
What would actually reduce this score
Because Direct exposure dominates in Keswick (57.9%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Keswick's figures come from
Every one of the two percentiles behind Keswick's 472-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Keswick's dominant direct exposure actually means, with real examples from across the dataset.