Lytle Creek, CA
Lytle Creek wildfire risk explained
USFS scores Lytle Creek at the 100th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 453 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lytle Creek at the 100th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Direct exposure dominates in Lytle Creek: 82.8% of its 453 buildings, versus 17.2% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Lytle Creek compares
Lytle Creek's risk sits at a similar level relative to California (96th percentile statewide) as it does nationally (100th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Lytle Creek ranks 98 for wildfire risk (1 is highest) and 18,210 by building count (1 is largest). Within California alone, it ranks 62 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
Lytle Creek's 100th-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
Lytle Creek's 82.8% 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.
More on how this number was built
Every one of the two percentiles behind Lytle Creek's 98-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Lytle Creek, see the exposure-zones guide.