Morgan Hill, CA
Morgan Hill, CA's wildfire risk, in USFS's own numbers
Morgan Hill's 13,860 buildings earn a 94th-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.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Morgan Hill at the 94th percentile, close to its 94th-percentile risk score.
What "at risk" means for the buildings here
60.4% of Morgan Hill's 13,860 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 12.3% Direct and 27.3% Minimal. Vent screens and roofing material matter more here than lot clearing alone. At 13,860 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Morgan Hill against the rest of the country
Morgan Hill ranks lower within California (70th percentile statewide) than its 94th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Morgan Hill ranks 2,036 for wildfire risk (1 is highest) and 1,090 by building count (1 is largest). Within California alone, it ranks 475 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Shopping for coverage in Morgan Hill
Because Morgan Hill is in California, a wildfire-hazard disclosure is legally required before a sale closes here — unusual nationally, since only these two states mandate it. The state's FAIR Plan alone carried 668,609 policies by the end of 2025. Full detail in the disclosure-law guide.
What would actually reduce this score
Morgan Hill's 60.4% 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.
More on how this number was built
Morgan Hill's 94th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Morgan Hill, see the exposure-zones guide.