Lodoga, CA
Lodoga wildfire risk explained
Lodoga's 260 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 Lodoga at the 100th percentile, close to its 100th-percentile risk score.
Lodoga's building exposure, zone by zone
USFS classifies 100% of Lodoga's buildings as Direct exposure, higher than its 0% Indirect share and far above its 0% Minimal share — a profile where 260 structures sit close enough to vegetation that lot clearing matters most.
How Lodoga compares
Lodoga scores 100th nationally and 97th within California — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Lodoga ranks 62 for wildfire risk (1 is highest) and 22,818 by building count (1 is largest). Within California alone, it ranks 39 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Lodoga and the insurance market
Because Lodoga 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.
Lowering exposure, not just insuring around it
Lodoga's 100% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Lodoga's figures come from
The methodology guide shows exactly how USFS turned 260 counted buildings into the percentiles shown above for Lodoga. The exposure-zones guide covers what Lodoga's dominant direct exposure actually means, with real examples from across the dataset.