Shaver Lake, CA
How exposed is Shaver Lake to wildfire?
USFS's Wildfire Risk to Communities model puts Shaver Lake at the 93rd national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 2,130 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Shaver Lake at the 92nd percentile, close to its 93rd-percentile risk score.
Where Shaver Lake's buildings actually sit
USFS classifies 82.6% of Shaver Lake's buildings as Direct exposure, higher than its 16.8% Indirect share and far above its 0.7% Minimal share — a profile where 1,759 structures sit close enough to vegetation that lot clearing matters most.
How Shaver Lake compares
Inside California, Shaver Lake sits at just the 68th percentile even though it scores 93rd 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, Shaver Lake ranks 2,260 for wildfire risk (1 is highest) and 7,115 by building count (1 is largest). Within California alone, it ranks 505 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Shaver Lake and the insurance market
Shaver Lake 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 93rd-percentile score like Shaver Lake's can end up mattering for. More on the disclosure law.
Hardening a home in Shaver Lake
Shaver Lake's 82.6% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
The methodology guide shows exactly how USFS turned 2,130 counted buildings into the percentiles shown above for Shaver Lake. For more on what direct exposure implies beyond Shaver Lake, see the exposure-zones guide.