Spring Valley (Lake), CA
Spring Valley (Lake) wildfire risk explained
USFS's Wildfire Risk to Communities model puts Spring Valley (Lake) at the 100th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 784 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Spring Valley (Lake) at the 100th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Spring Valley (Lake)'s building exposure, zone by zone
100% of Spring Valley (Lake)'s 784 buildings sit in USFS's Direct exposure zone, roughly 784 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 0% are Minimal.
Spring Valley (Lake) against the rest of the country
Spring Valley (Lake) scores 100th nationally and 95th 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, Spring Valley (Lake) ranks 129 for wildfire risk (1 is highest) and 13,778 by building count (1 is largest). Within California alone, it ranks 86 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
Spring Valley (Lake)'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
Because Direct exposure dominates in Spring Valley (Lake) (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Spring Valley (Lake)'s figures come from
The methodology guide shows exactly how USFS turned 784 counted buildings into the percentiles shown above for Spring Valley (Lake). The exposure-zones guide covers what Spring Valley (Lake)'s dominant direct exposure actually means, with real examples from across the dataset.