Three Rocks, CA
Three Rocks wildfire risk explained
Out of every US place USFS scores, Three Rocks lands at the 85th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 85 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Three Rocks at the 86th national percentile — 1 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
Direct exposure dominates in Three Rocks: 52.9% of its 85 buildings, versus 47.1% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Three Rocks against the rest of the country
Inside California, Three Rocks sits at just the 50th percentile even though it scores 85th 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, Three Rocks ranks 4,720 for wildfire risk (1 is highest) and 29,679 by building count (1 is largest). Within California alone, it ranks 789 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Three Rocks and the insurance market
Three Rocks's 85th-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
Three Rocks's 52.9% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
The methodology guide shows exactly how USFS turned 85 counted buildings into the percentiles shown above for Three Rocks. For more on what direct exposure implies beyond Three Rocks, see the exposure-zones guide.