North Fair Oaks, CA
North Fair Oaks wildfire risk explained
USFS scores North Fair Oaks at the 41st national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 3,876 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts North Fair Oaks at the 46th percentile, close to its 41st-percentile risk score.
Where North Fair Oaks's buildings actually sit
North Fair Oaks rates 98.8% Minimal exposure against just 1.2% Direct and 0% Indirect — of 3,876 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How North Fair Oaks compares
North Fair Oaks's 41st national percentile looks worse in isolation than its 6th ranking inside California does — this place is on the milder end for its own state, by 35 points. Among the 31,521 US communities USFS scores, North Fair Oaks ranks 18,488 for wildfire risk (1 is highest) and 4,358 by building count (1 is largest). Within California alone, it ranks 1,473 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
North Fair Oaks's 41st-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.
Hardening a home in North Fair Oaks
North Fair Oaks's 98.8% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind North Fair Oaks's 18,488-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond North Fair Oaks, see the exposure-zones guide.