Stebbins, CA
Stebbins wildfire risk explained
Stebbins sits at the 78th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 644 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Stebbins at the 78th percentile, close to its 78th-percentile risk score.
Stebbins's building exposure, zone by zone
644 buildings are counted in Stebbins, and 99.1% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0.9% rated Minimal.
Stebbins against the rest of the country
Inside California, Stebbins sits at just the 37th percentile even though it scores 78th 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, Stebbins ranks 7,050 for wildfire risk (1 is highest) and 15,271 by building count (1 is largest). Within California alone, it ranks 993 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Stebbins and the insurance market
Because Stebbins is in California, a wildfire-hazard disclosure is legally required before a sale closes here — unusual nationally, since only these two states mandate it. The state's FAIR Plan alone carried 668,609 policies by the end of 2025. Full detail in the disclosure-law guide.
Hardening a home in Stebbins
Stebbins's 99.1% 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
Stebbins's 78th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Stebbins, see the exposure-zones guide.