Mira Monte, CA
How exposed is Mira Monte to wildfire?
Mira Monte sits at the 76th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 3,549 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Mira Monte at the 75th percentile, close to its 76th-percentile risk score.
Mira Monte's building exposure, zone by zone
USFS puts 55.3% of Mira Monte's 3,549 buildings in the Indirect exposure zone, versus 44.7% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Mira Monte ranks
Mira Monte's 76th national percentile looks worse in isolation than its 35th ranking inside California does — this place is on the milder end for its own state, by 41 points. Among the 31,521 US communities USFS scores, Mira Monte ranks 7,462 for wildfire risk (1 is highest) and 4,719 by building count (1 is largest). Within California alone, it ranks 1,018 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Shopping for coverage in Mira Monte
Mira Monte 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 76th-percentile score like Mira Monte's can end up mattering for. More on the disclosure law.
Hardening a home in Mira Monte
With ember exposure the dominant pattern in Mira Monte (55.3% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
The methodology guide shows exactly how USFS turned 3,549 counted buildings into the percentiles shown above for Mira Monte. For more on what indirect exposure implies beyond Mira Monte, see the exposure-zones guide.