Lindcove, CA
Lindcove, CA's wildfire risk, in USFS's own numbers
Lindcove sits at the 88th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 102 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lindcove's burn probability — fire likelihood with no building count factored in — sits at the 89th percentile nationally.
Where Lindcove's buildings actually sit
USFS classifies 100% of Lindcove's buildings as Direct exposure, higher than its 0% Indirect share and far above its 0% Minimal share — a profile where 102 structures sit close enough to vegetation that lot clearing matters most.
Lindcove against the rest of the country
Lindcove ranks lower within California (56th percentile statewide) than its 88th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Lindcove ranks 3,871 for wildfire risk (1 is highest) and 28,935 by building count (1 is largest). Within California alone, it ranks 691 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
Lindcove sits in California, one of two states that legally require a wildfire-risk disclosure at sale. California's FAIR Plan, the state's insurer of last resort, ended 2025 with 668,609 residential policies after adding 21,859 in Q4 alone — the kind of market shift a 88th-percentile score like Lindcove's can end up mattering for. More on the disclosure law.
Lowering exposure, not just insuring around it
With 100% of Lindcove in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 102 counted buildings into the percentiles shown above for Lindcove. For more on what direct exposure implies beyond Lindcove, see the exposure-zones guide.