Larkspur, CA
How exposed is Larkspur to wildfire?
USFS's Wildfire Risk to Communities model puts Larkspur at the 69th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 3,697 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Larkspur at the 69th percentile, close to its 69th-percentile risk score.
Where Larkspur's buildings actually sit
Indirect exposure is dominant in Larkspur (61.4% of 3,697 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 12.9% sit in the Direct zone.
How Larkspur compares
Larkspur's 69th national percentile looks worse in isolation than its 26th 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, Larkspur ranks 9,821 for wildfire risk (1 is highest) and 4,531 by building count (1 is largest). Within California alone, it ranks 1,158 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Shopping for coverage in Larkspur
Larkspur's 69th-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
With ember exposure the dominant pattern in Larkspur (61.4% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Larkspur's figures come from
Larkspur's 69th-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 Larkspur's dominant indirect exposure actually means, with real examples from across the dataset.