Oxnard, CA
Oxnard, CA's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Oxnard at the 40th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 46,539 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Oxnard at the 41st national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Oxnard's building exposure, zone by zone
Oxnard rates 90.6% Minimal exposure against just 0.8% Direct and 8.7% Indirect — of 46,539 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually. At 46,539 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Oxnard against the rest of the country
Oxnard's 40th 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 34 points. Among the 31,521 US communities USFS scores, Oxnard ranks 18,997 for wildfire risk (1 is highest) and 197 by building count (1 is largest). Within California alone, it ranks 1,478 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Shopping for coverage in Oxnard
Oxnard 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 40th-percentile score like Oxnard's can end up mattering for. More on the disclosure law.
Lowering exposure, not just insuring around it
Even with 90.6% of Oxnard outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Oxnard's 18,997-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Oxnard, see the exposure-zones guide.