Rancho Cucamonga, CA
Rancho Cucamonga wildfire risk explained
USFS's Wildfire Risk to Communities model puts Rancho Cucamonga at the 100th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 49,472 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Rancho Cucamonga at the 100th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Only 3.1% of Rancho Cucamonga's 49,472 buildings carry Direct exposure and 26.9% carry Indirect; the remaining 70% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 49,472 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Rancho Cucamonga ranks
Rancho Cucamonga scores 100th nationally and 97th within California — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Rancho Cucamonga ranks 66 for wildfire risk (1 is highest) and 179 by building count (1 is largest). Within California alone, it ranks 43 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
Rancho Cucamonga's 100th-percentile score lands in California, the only two states requiring a wildfire disclosure at sale. California's surplus-lines homeowners market passed 300,000 policies for the first time in 2025, driven by carriers pulling back from wildfire-exposed areas statewide. The disclosure-law guide covers what it requires.
Lowering exposure, not just insuring around it
With 70% of buildings rated Minimal exposure, Rancho Cucamonga gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Rancho Cucamonga's 100th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Rancho Cucamonga, see the exposure-zones guide.