Lanare, CA
How exposed is Lanare to wildfire?
USFS scores Lanare at the 67th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 342 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lanare's burn probability — fire likelihood with no building count factored in — sits at the 64th percentile nationally.
Where Lanare's buildings actually sit
Of Lanare's 342 counted buildings, 75.4% carry Direct exposure and only 23.1% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Lanare ranks
Lanare's 67th national percentile looks worse in isolation than its 24th ranking inside California does — this place is on the milder end for its own state, by 43 points. Among the 31,521 US communities USFS scores, Lanare ranks 10,520 for wildfire risk (1 is highest) and 20,504 by building count (1 is largest). Within California alone, it ranks 1,192 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
Because Lanare is in California, a wildfire-hazard disclosure is legally required before a sale closes here — unusual nationally, since only these two states mandate it. The state's FAIR Plan alone carried 668,609 policies by the end of 2025. Full detail in the disclosure-law guide.
What would actually reduce this score
Because Direct exposure dominates in Lanare (75.4%), 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
Every one of the two percentiles behind Lanare's 10,520-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Lanare, see the exposure-zones guide.