Rio Linda, CA
Rio Linda, CA's wildfire risk, in USFS's own numbers
USFS scores Rio Linda at the 77th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 8,061 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Rio Linda at the 79th percentile, close to its 77th-percentile risk score.
What "at risk" means for the buildings here
Direct exposure dominates in Rio Linda: 53.1% of its 8,061 buildings, versus 16.9% Indirect and 30% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap. At 8,061 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Rio Linda against the rest of the country
Inside California, Rio Linda sits at just the 36th percentile even though it scores 77th 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, Rio Linda ranks 7,339 for wildfire risk (1 is highest) and 2,086 by building count (1 is largest). Within California alone, it ranks 1,013 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
Rio Linda's 77th-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.
What would actually reduce this score
With 53.1% of Rio Linda in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Rio Linda's figures come from
The methodology guide shows exactly how USFS turned 8,061 counted buildings into the percentiles shown above for Rio Linda. The exposure-zones guide covers what Rio Linda's dominant direct exposure actually means, with real examples from across the dataset.