Terminous, CA
Terminous, CA's wildfire risk, in USFS's own numbers
USFS scores Terminous at the 61st national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 266 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Terminous at the 62nd national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Terminous's building exposure, zone by zone
USFS classifies 86.8% of Terminous's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 13.2% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How Terminous compares
Terminous's 61st national percentile looks worse in isolation than its 19th ranking inside California does — this place is on the milder end for its own state, by 42 points. Among the 31,521 US communities USFS scores, Terminous ranks 12,155 for wildfire risk (1 is highest) and 22,625 by building count (1 is largest). Within California alone, it ranks 1,266 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Terminous and the insurance market
Terminous 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 61st-percentile score like Terminous's can end up mattering for. More on the disclosure law.
Lowering exposure, not just insuring around it
With 86.8% of buildings rated Minimal exposure, Terminous gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Terminous's 61st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Terminous, see the exposure-zones guide.