Napa, CA
Napa wildfire risk explained
Out of every US place USFS scores, Napa lands at the 80th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 27,800 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Napa's burn probability — fire likelihood with no building count factored in — sits at the 81st percentile nationally.
What "at risk" means for the buildings here
Only 3% of Napa's 27,800 buildings carry Direct exposure and 28.5% carry Indirect; the remaining 68.5% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 27,800 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Napa ranks
Inside California, Napa sits at just the 41st percentile even though it scores 80th 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, Napa ranks 6,232 for wildfire risk (1 is highest) and 437 by building count (1 is largest). Within California alone, it ranks 931 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Shopping for coverage in Napa
Napa 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 80th-percentile score like Napa's can end up mattering for. More on the disclosure law.
Lowering exposure, not just insuring around it
With 68.5% of buildings rated Minimal exposure, Napa 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 27,800 counted buildings into the percentiles shown above for Napa. For more on what minimal exposure implies beyond Napa, see the exposure-zones guide.