London, CA
How exposed is London to wildfire?
Out of every US place USFS scores, London lands at the 82nd percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 557 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts London at the 83rd percentile, close to its 82nd-percentile risk score.
London's building exposure, zone by zone
London rates 54.4% Minimal exposure against just 45.6% Direct and 0% Indirect — of 557 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
London against the rest of the country
Inside California, London sits at just the 44th percentile even though it scores 82nd nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, London ranks 5,571 for wildfire risk (1 is highest) and 16,449 by building count (1 is largest). Within California alone, it ranks 883 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
London 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 82nd-percentile score like London's can end up mattering for. More on the disclosure law.
Hardening a home in London
London's 54.4% 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 London's figures come from
Every one of the two percentiles behind London's 5,571-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what London's dominant minimal exposure actually means, with real examples from across the dataset.