Olivehurst, CA
How exposed is Olivehurst to wildfire?
USFS's Wildfire Risk to Communities model puts Olivehurst at the 82nd national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 5,723 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Olivehurst's burn probability — fire likelihood with no building count factored in — sits at the 83rd percentile nationally.
Olivehurst's building exposure, zone by zone
Most of Olivehurst's buildings (42.6%) 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. At 5,723 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Olivehurst compares
Inside California, Olivehurst sits at just the 44th percentile even though it scores 82nd 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, Olivehurst ranks 5,664 for wildfire risk (1 is highest) and 3,024 by building count (1 is largest). Within California alone, it ranks 889 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
Olivehurst's 82nd-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.
Lowering exposure, not just insuring around it
Olivehurst's 42.6% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 5,723 counted buildings into the percentiles shown above for Olivehurst. For more on what indirect exposure implies beyond Olivehurst, see the exposure-zones guide.