Lodi, CA
Lodi wildfire risk explained
Lodi's 22,011 buildings earn a 47th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lodi's burn probability — fire likelihood with no building count factored in — sits at the 48th percentile nationally.
What "at risk" means for the buildings here
Most of Lodi's buildings (96.5% of 22,011) 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 22,011 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Lodi against the rest of the country
Lodi ranks lower within California (9th percentile statewide) than its 47th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Lodi ranks 16,631 for wildfire risk (1 is highest) and 623 by building count (1 is largest). Within California alone, it ranks 1,430 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Lodi and the insurance market
Lodi 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 47th-percentile score like Lodi's can end up mattering for. More on the disclosure law.
What would actually reduce this score
Lodi's 96.5% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 22,011 counted buildings into the percentiles shown above for Lodi. For more on what minimal exposure implies beyond Lodi, see the exposure-zones guide.