Stirling City, CA
Stirling City wildfire risk explained
Stirling City's 146 buildings earn a 100th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Stirling City at the 100th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Stirling City's buildings actually sit
Direct exposure dominates in Stirling City: 75.3% of its 146 buildings, versus 24.7% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Stirling City compares
There's little gap between Stirling City's 100th national percentile and its 98th percentile inside California, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Stirling City ranks 69 for wildfire risk (1 is highest) and 27,011 by building count (1 is largest). Within California alone, it ranks 46 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Shopping for coverage in Stirling City
Because Stirling City 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.
Lowering exposure, not just insuring around it
Stirling City's 75.3% 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 146 counted buildings into the percentiles shown above for Stirling City. For more on what direct exposure implies beyond Stirling City, see the exposure-zones guide.