Redlands, CA
Redlands, CA's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Redlands lands at the 99th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 27,529 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Redlands at the 98th 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
USFS classifies 50.6% of Redlands's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 11.8% Direct and 37.6% Indirect — a landscape-level risk rather than a building-by-building one. At 27,529 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Redlands compares
Redlands scores 99th nationally and 86th 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, Redlands ranks 474 for wildfire risk (1 is highest) and 446 by building count (1 is largest). Within California alone, it ranks 220 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
Redlands's 99th-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 50.6% of buildings rated Minimal exposure, Redlands gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Redlands's figures come from
Redlands's 99th-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 Redlands's dominant minimal exposure actually means, with real examples from across the dataset.