Rackerby, CA
Rackerby, CA's wildfire risk, in USFS's own numbers
USFS scores Rackerby at the 98th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 170 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Rackerby's burn probability — fire likelihood with no building count factored in — sits at the 97th percentile nationally.
Where Rackerby's buildings actually sit
170 buildings are counted in Rackerby, 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.
Where Rackerby ranks
Rackerby ranks lower within California (82nd percentile statewide) than its 98th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Rackerby ranks 717 for wildfire risk (1 is highest) and 26,011 by building count (1 is largest). Within California alone, it ranks 287 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
Rackerby 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 98th-percentile score like Rackerby's can end up mattering for. More on the disclosure law.
What would actually reduce this score
Because Direct exposure dominates in Rackerby (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Rackerby's figures come from
The methodology guide shows exactly how USFS turned 170 counted buildings into the percentiles shown above for Rackerby. The exposure-zones guide covers what Rackerby's dominant direct exposure actually means, with real examples from across the dataset.