Spring Valley Lake, CA
Spring Valley Lake, CA's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Spring Valley Lake at the 63rd national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 3,583 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 Spring Valley Lake at the 61st percentile, close to its 63rd-percentile risk score.
What "at risk" means for the buildings here
83.9% of Spring Valley Lake's 3,583 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 4.1% Direct and 12% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Spring Valley Lake against the rest of the country
Inside California, Spring Valley Lake sits at just the 21st percentile even though it scores 63rd 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, Spring Valley Lake ranks 11,558 for wildfire risk (1 is highest) and 4,676 by building count (1 is largest). Within California alone, it ranks 1,232 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Spring Valley Lake and the insurance market
Spring Valley Lake's 63rd-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.
Hardening a home in Spring Valley Lake
With ember exposure the dominant pattern in Spring Valley Lake (83.9% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Spring Valley Lake's figures come from
The methodology guide shows exactly how USFS turned 3,583 counted buildings into the percentiles shown above for Spring Valley Lake. The exposure-zones guide covers what Spring Valley Lake's dominant indirect exposure actually means, with real examples from across the dataset.