Larkfield-Wikiup, CA
Larkfield-Wikiup wildfire risk explained
Larkfield-Wikiup's 3,692 buildings earn a 75th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Larkfield-Wikiup at the 77th percentile, close to its 75th-percentile risk score.
What "at risk" means for the buildings here
82.2% of Larkfield-Wikiup's 3,692 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 15.6% Direct and 2.2% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Where Larkfield-Wikiup ranks
Larkfield-Wikiup ranks lower within California (33rd percentile statewide) than its 75th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Larkfield-Wikiup ranks 7,934 for wildfire risk (1 is highest) and 4,539 by building count (1 is largest). Within California alone, it ranks 1,059 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
Larkfield-Wikiup's 75th-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
Larkfield-Wikiup's 82.2% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 3,692 counted buildings into the percentiles shown above for Larkfield-Wikiup. For more on what indirect exposure implies beyond Larkfield-Wikiup, see the exposure-zones guide.