Lockwood (Monterey), CA
Lockwood (Monterey), CA's wildfire risk, in USFS's own numbers
Lockwood (Monterey)'s 346 buildings earn a 100th-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 Lockwood (Monterey) at the 100th percentile, close to its 100th-percentile risk score.
What "at risk" means for the buildings here
Of Lockwood (Monterey)'s 346 counted buildings, 100% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Lockwood (Monterey) against the rest of the country
There's little gap between Lockwood (Monterey)'s 100th national percentile and its 94th percentile inside California, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Lockwood (Monterey) ranks 152 for wildfire risk (1 is highest) and 20,419 by building count (1 is largest). Within California alone, it ranks 96 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Lockwood (Monterey) and the insurance market
Lockwood (Monterey) 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 100th-percentile score like Lockwood (Monterey)'s can end up mattering for. More on the disclosure law.
What would actually reduce this score
Because Direct exposure dominates in Lockwood (Monterey) (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Lockwood (Monterey)'s figures come from
Every one of the two percentiles behind Lockwood (Monterey)'s 152-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Lockwood (Monterey)'s dominant direct exposure actually means, with real examples from across the dataset.