Loomis, CA
Loomis wildfire risk explained
USFS scores Loomis at the 83rd national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 3,615 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Loomis's burn probability — fire likelihood with no building count factored in — sits at the 83rd percentile nationally.
Where Loomis's buildings actually sit
49.7% of Loomis's 3,615 buildings sit in USFS's Minimal exposure zone, with only 47.9% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Loomis ranks
Loomis ranks lower within California (45th percentile statewide) than its 83rd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Loomis ranks 5,349 for wildfire risk (1 is highest) and 4,636 by building count (1 is largest). Within California alone, it ranks 866 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Shopping for coverage in Loomis
Loomis's 83rd-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
Even with 49.7% of Loomis outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Loomis's 83rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Loomis, see the exposure-zones guide.