Loyola, CA
How exposed is Loyola to wildfire?
Out of every US place USFS scores, Loyola lands at the 71st percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 1,562 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Loyola's burn probability — fire likelihood with no building count factored in — sits at the 71st percentile nationally.
Where Loyola's buildings actually sit
Most of Loyola's buildings (48%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Loyola against the rest of the country
Inside California, Loyola sits at just the 29th percentile even though it scores 71st 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, Loyola ranks 9,005 for wildfire risk (1 is highest) and 8,913 by building count (1 is largest). Within California alone, it ranks 1,109 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Loyola and the insurance market
Loyola 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 71st-percentile score like Loyola's can end up mattering for. More on the disclosure law.
What would actually reduce this score
Because 48% of Loyola's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Loyola's 9,005-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Loyola, see the exposure-zones guide.