Temple City, CA
Temple City wildfire risk explained
Out of every US place USFS scores, Temple City lands at the 47th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 14,953 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Temple City at the 51st national percentile — 4 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
Most of Temple City's buildings (99.8% of 14,953) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure. At 14,953 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Temple City against the rest of the country
Inside California, Temple City sits at just the 9th percentile even though it scores 47th 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, Temple City ranks 16,789 for wildfire risk (1 is highest) and 994 by building count (1 is largest). Within California alone, it ranks 1,433 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Temple City and the insurance market
Temple City's 47th-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.
What would actually reduce this score
Even with 99.8% of Temple City outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 14,953 counted buildings into the percentiles shown above for Temple City. For more on what minimal exposure implies beyond Temple City, see the exposure-zones guide.