Lathrop, CA
Lathrop, CA's wildfire risk, in USFS's own numbers
Lathrop's 8,367 buildings earn a 67th-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 Lathrop at the 67th percentile, close to its 67th-percentile risk score.
What "at risk" means for the buildings here
Most of Lathrop's buildings (58.3% of 8,367) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure. At 8,367 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Lathrop against the rest of the country
Inside California, Lathrop sits at just the 25th percentile even though it scores 67th 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, Lathrop ranks 10,328 for wildfire risk (1 is highest) and 1,988 by building count (1 is largest). Within California alone, it ranks 1,186 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
Lathrop's 67th-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
Lathrop's 58.3% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Lathrop's figures come from
Every one of the two percentiles behind Lathrop's 10,328-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Lathrop's dominant minimal exposure actually means, with real examples from across the dataset.