Ojai, CA
Ojai wildfire risk explained
USFS scores Ojai at the 72nd national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 3,848 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Ojai at the 71st national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Ojai's buildings actually sit
3,848 buildings are counted in Ojai, and 59.9% of them are Indirect exposure — ember-driven risk rather than the 38.6% in Direct exposure or the 1.5% rated Minimal.
Ojai against the rest of the country
Inside California, Ojai sits at just the 30th percentile even though it scores 72nd 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, Ojai ranks 8,720 for wildfire risk (1 is highest) and 4,383 by building count (1 is largest). Within California alone, it ranks 1,096 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
Because Ojai 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.
Hardening a home in Ojai
Because 59.9% of Ojai'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 Ojai's figures come from
Ojai's 72nd-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 Ojai's dominant indirect exposure actually means, with real examples from across the dataset.