Paradise (Mono), CA
How exposed is Paradise (Mono) to wildfire?
USFS's Wildfire Risk to Communities model puts Paradise (Mono) at the 85th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 110 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Paradise (Mono) at the 85th percentile, close to its 85th-percentile risk score.
Where Paradise (Mono)'s buildings actually sit
110 buildings are counted in Paradise (Mono), and 100% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
How Paradise (Mono) compares
Paradise (Mono) ranks lower within California (50th percentile statewide) than its 85th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Paradise (Mono) ranks 4,718 for wildfire risk (1 is highest) and 28,616 by building count (1 is largest). Within California alone, it ranks 787 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Paradise (Mono) and the insurance market
Because Paradise (Mono) 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.
What would actually reduce this score
Paradise (Mono)'s 100% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Paradise (Mono)'s figures come from
The methodology guide shows exactly how USFS turned 110 counted buildings into the percentiles shown above for Paradise (Mono). The exposure-zones guide covers what Paradise (Mono)'s dominant direct exposure actually means, with real examples from across the dataset.