Stonyford, CA
Stonyford wildfire risk explained
USFS's Wildfire Risk to Communities model puts Stonyford at the 99th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 218 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 Stonyford at the 100th percentile, close to its 99th-percentile risk score.
Stonyford's building exposure, zone by zone
USFS classifies 86.2% of Stonyford's buildings as Direct exposure, higher than its 13.8% Indirect share and far above its 0% Minimal share — a profile where 188 structures sit close enough to vegetation that lot clearing matters most.
Where Stonyford ranks
Stonyford scores 99th nationally and 92nd 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, Stonyford ranks 221 for wildfire risk (1 is highest) and 24,185 by building count (1 is largest). Within California alone, it ranks 129 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Stonyford and the insurance market
Stonyford 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 99th-percentile score like Stonyford's can end up mattering for. More on the disclosure law.
What would actually reduce this score
Because Direct exposure dominates in Stonyford (86.2%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Stonyford's 221-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Stonyford, see the exposure-zones guide.