Rancho Calaveras, CA
How exposed is Rancho Calaveras to wildfire?
Out of every US place USFS scores, Rancho Calaveras lands at the 92nd percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 3,725 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Rancho Calaveras's burn probability — fire likelihood with no building count factored in — sits at the 92nd percentile nationally.
What "at risk" means for the buildings here
94.6% of Rancho Calaveras's 3,725 buildings sit in USFS's Direct exposure zone, roughly 3,525 structures close enough to burnable vegetation for flame contact, not just embers — 5.4% fall in the Indirect, ember-only zone and 0% are Minimal.
How Rancho Calaveras compares
Inside California, Rancho Calaveras sits at just the 65th percentile even though it scores 92nd 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, Rancho Calaveras ranks 2,640 for wildfire risk (1 is highest) and 4,498 by building count (1 is largest). Within California alone, it ranks 546 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 Rancho Calaveras 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.
Hardening a home in Rancho Calaveras
Because Direct exposure dominates in Rancho Calaveras (94.6%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Rancho Calaveras's 92nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Rancho Calaveras, see the exposure-zones guide.