Peters, CA
How exposed is Peters to wildfire?
USFS's Wildfire Risk to Communities model puts Peters at the 83rd national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 490 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Peters at the 85th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Peters's buildings actually sit
USFS classifies 95.7% of Peters's buildings as Direct exposure, higher than its 4.3% Indirect share and far above its 0% Minimal share — a profile where 469 structures sit close enough to vegetation that lot clearing matters most.
Where Peters ranks
Inside California, Peters sits at just the 45th percentile even though it scores 83rd 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, Peters ranks 5,288 for wildfire risk (1 is highest) and 17,522 by building count (1 is largest). Within California alone, it ranks 859 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 Peters 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
Peters's 95.7% 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 Peters's figures come from
Peters's 83rd-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 Peters's dominant direct exposure actually means, with real examples from across the dataset.