Oceano, CA
Oceano, CA's wildfire risk, in USFS's own numbers
Oceano's 2,991 buildings earn a 56th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Oceano's burn probability — fire likelihood with no building count factored in — sits at the 57th percentile nationally.
What "at risk" means for the buildings here
Oceano rates 95.2% Minimal exposure against just 3.1% Direct and 1.7% Indirect — of 2,991 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Oceano against the rest of the country
Oceano's 56th national percentile looks worse in isolation than its 15th ranking inside California does — this place is on the milder end for its own state, by 41 points. Among the 31,521 US communities USFS scores, Oceano ranks 13,824 for wildfire risk (1 is highest) and 5,450 by building count (1 is largest). Within California alone, it ranks 1,338 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
Oceano's 56th-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.
What would actually reduce this score
Oceano's 95.2% 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.
Where Oceano's figures come from
The methodology guide shows exactly how USFS turned 2,991 counted buildings into the percentiles shown above for Oceano. The exposure-zones guide covers what Oceano's dominant minimal exposure actually means, with real examples from across the dataset.