Morada, CA
How exposed is Morada to wildfire?
Morada's 2,268 buildings earn a 82nd-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.)
Separately from the risk score above, Morada's burn probability — fire likelihood with no building count factored in — sits at the 84th percentile nationally.
Where Morada's buildings actually sit
Most of Morada's buildings (75.6% of 2,268) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
How Morada compares
Morada's 82nd national percentile looks worse in isolation than its 44th ranking inside California does — this place is on the milder end for its own state, by 38 points. Among the 31,521 US communities USFS scores, Morada ranks 5,538 for wildfire risk (1 is highest) and 6,773 by building count (1 is largest). Within California alone, it ranks 879 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Shopping for coverage in Morada
Morada's 82nd-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 75.6% of buildings rated Minimal exposure, Morada gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 2,268 counted buildings into the percentiles shown above for Morada. For more on what minimal exposure implies beyond Morada, see the exposure-zones guide.