Ripley, CA
How exposed is Ripley to wildfire?
Ripley's 260 buildings earn a 51st-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Ripley's burn probability — fire likelihood with no building count factored in — sits at the 53rd percentile nationally.
Where Ripley's buildings actually sit
Ripley rates 59.6% Minimal exposure against just 40.4% Direct and 0% Indirect — of 260 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Ripley ranks
Ripley ranks lower within California (11th percentile statewide) than its 51st national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Ripley ranks 15,592 for wildfire risk (1 is highest) and 22,819 by building count (1 is largest). Within California alone, it ranks 1,402 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
Ripley 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 51st-percentile score like Ripley's can end up mattering for. More on the disclosure law.
What would actually reduce this score
With 59.6% of buildings rated Minimal exposure, Ripley 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
Ripley's 51st-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 Ripley, see the exposure-zones guide.