Live Oak (Sutter), CA
Live Oak (Sutter) wildfire risk explained
Live Oak (Sutter)'s 2,705 buildings earn a 86th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Live Oak (Sutter) at the 87th percentile, close to its 86th-percentile risk score.
What "at risk" means for the buildings here
Most of Live Oak (Sutter)'s buildings (89.5% of 2,705) 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.
Live Oak (Sutter) against the rest of the country
Live Oak (Sutter)'s 86th national percentile looks worse in isolation than its 53rd ranking inside California does — this place is on the milder end for its own state, by 33 points. Among the 31,521 US communities USFS scores, Live Oak (Sutter) ranks 4,309 for wildfire risk (1 is highest) and 5,918 by building count (1 is largest). Within California alone, it ranks 736 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Shopping for coverage in Live Oak (Sutter)
Because Live Oak (Sutter) 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
Live Oak (Sutter)'s 89.5% 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 Live Oak (Sutter)'s figures come from
Live Oak (Sutter)'s 86th-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 Live Oak (Sutter)'s dominant minimal exposure actually means, with real examples from across the dataset.