Kings Beach, CA
Kings Beach wildfire risk explained
Kings Beach's 1,531 buildings earn a 94th-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, Kings Beach's burn probability — fire likelihood with no building count factored in — sits at the 92nd percentile nationally.
Where Kings Beach's buildings actually sit
USFS classifies 49.8% of Kings Beach's buildings as Direct exposure, higher than its 49.8% Indirect share and far above its 0.5% Minimal share — a profile where 762 structures sit close enough to vegetation that lot clearing matters most.
How Kings Beach compares
Inside California, Kings Beach sits at just the 71st percentile even though it scores 94th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Kings Beach ranks 1,847 for wildfire risk (1 is highest) and 9,030 by building count (1 is largest). Within California alone, it ranks 448 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
Kings Beach's 94th-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 Kings Beach (49.8%), 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
Kings Beach's 94th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Kings Beach, see the exposure-zones guide.