Three Rivers, CA
Three Rivers wildfire risk explained
Three Rivers sits at the 99th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 1,981 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Three Rivers at the 99th percentile, close to its 99th-percentile risk score.
Three Rivers's building exposure, zone by zone
99.2% of Three Rivers's 1,981 buildings sit in USFS's Direct exposure zone, roughly 1,966 structures close enough to burnable vegetation for flame contact, not just embers — 0.8% fall in the Indirect, ember-only zone and 0% are Minimal.
How Three Rivers compares
Three Rivers scores 99th nationally and 93rd 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, Three Rivers ranks 222 for wildfire risk (1 is highest) and 7,529 by building count (1 is largest). Within California alone, it ranks 130 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Shopping for coverage in Three Rivers
Three Rivers's 99th-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 Direct exposure dominates in Three Rivers (99.2%), 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
The methodology guide shows exactly how USFS turned 1,981 counted buildings into the percentiles shown above for Three Rivers. For more on what direct exposure implies beyond Three Rivers, see the exposure-zones guide.