Moraga, CA
Moraga, CA's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Moraga lands at the 91st percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 5,795 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Moraga's burn probability — fire likelihood with no building count factored in — sits at the 92nd percentile nationally.
What "at risk" means for the buildings here
USFS puts 47.9% of Moraga's 5,795 buildings in the Indirect exposure zone, versus 39.4% Direct and 12.7% Minimal — a place where the fire doesn't need to reach the structure directly for embers to. At 5,795 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Moraga against the rest of the country
Inside California, Moraga sits at just the 63rd percentile even though it scores 91st 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, Moraga ranks 2,857 for wildfire risk (1 is highest) and 2,983 by building count (1 is largest). Within California alone, it ranks 573 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
Moraga 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 91st-percentile score like Moraga's can end up mattering for. More on the disclosure law.
Hardening a home in Moraga
Moraga's 47.9% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Moraga's figures come from
The methodology guide shows exactly how USFS turned 5,795 counted buildings into the percentiles shown above for Moraga. The exposure-zones guide covers what Moraga's dominant indirect exposure actually means, with real examples from across the dataset.