Muscoy, CA
Muscoy wildfire risk explained
Muscoy sits at the 87th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 4,333 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Muscoy's burn probability — fire likelihood with no building count factored in — sits at the 87th percentile nationally.
Where Muscoy's buildings actually sit
Most of Muscoy's buildings (79.8%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
How Muscoy compares
Muscoy ranks lower within California (54th percentile statewide) than its 87th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Muscoy ranks 4,214 for wildfire risk (1 is highest) and 3,958 by building count (1 is largest). Within California alone, it ranks 726 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
Muscoy 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 87th-percentile score like Muscoy's can end up mattering for. More on the disclosure law.
Hardening a home in Muscoy
Because 79.8% of Muscoy's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Muscoy's figures come from
Muscoy's 87th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Muscoy's dominant indirect exposure actually means, with real examples from across the dataset.