Midpines, CA
Midpines wildfire risk explained
Midpines's 320 buildings earn a 98th-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 Midpines at the 98th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Midpines's building exposure, zone by zone
USFS classifies 100% of Midpines's buildings as Direct exposure, higher than its 0% Indirect share and far above its 0% Minimal share — a profile where 320 structures sit close enough to vegetation that lot clearing matters most.
Midpines against the rest of the country
Midpines scores 98th nationally and 84th within California — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Midpines ranks 627 for wildfire risk (1 is highest) and 21,084 by building count (1 is largest). Within California alone, it ranks 263 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Midpines and the insurance market
Midpines's 98th-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 Midpines 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 Midpines's figures come from
Every one of the two percentiles behind Midpines's 627-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Midpines's dominant direct exposure actually means, with real examples from across the dataset.