Loma Rica, CA
How exposed is Loma Rica to wildfire?
Loma Rica's 1,898 buildings earn a 92nd-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.)
Fire likelihood alone (USFS's burn-probability figure) ranks Loma Rica at the 93rd national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Loma Rica's building exposure, zone by zone
USFS classifies 100% of Loma Rica's buildings as Direct exposure, higher than its 0% Indirect share and far above its 0% Minimal share — a profile where 1,898 structures sit close enough to vegetation that lot clearing matters most.
Where Loma Rica ranks
Loma Rica ranks lower within California (67th percentile statewide) than its 92nd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Loma Rica ranks 2,388 for wildfire risk (1 is highest) and 7,774 by building count (1 is largest). Within California alone, it ranks 517 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
Loma Rica's 92nd-percentile score lands in California, the only two states requiring a wildfire disclosure at sale. California's surplus-lines homeowners market passed 300,000 policies for the first time in 2025, driven by carriers pulling back from wildfire-exposed areas statewide. The disclosure-law guide covers what it requires.
Lowering exposure, not just insuring around it
With 100% of Loma Rica 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.
Where Loma Rica's figures come from
The methodology guide shows exactly how USFS turned 1,898 counted buildings into the percentiles shown above for Loma Rica. The exposure-zones guide covers what Loma Rica's dominant direct exposure actually means, with real examples from across the dataset.