Temelec, CA
Temelec, CA's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Temelec lands at the 87th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 1,046 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Temelec at the 88th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Indirect exposure is dominant in Temelec (96.9% of 1,046 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 3.2% sit in the Direct zone.
How Temelec compares
Temelec's 87th national percentile looks worse in isolation than its 54th ranking inside California does — this place is on the milder end for its own state, by 33 points. Among the 31,521 US communities USFS scores, Temelec ranks 4,185 for wildfire risk (1 is highest) and 11,609 by building count (1 is largest). Within California alone, it ranks 724 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
Temelec's 87th-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 96.9% of Temelec's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,046 counted buildings into the percentiles shown above for Temelec. For more on what indirect exposure implies beyond Temelec, see the exposure-zones guide.