Toro Canyon, CA
Toro Canyon wildfire risk explained
Out of every US place USFS scores, Toro Canyon lands at the 83rd percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 1,653 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Toro Canyon at the 80th national percentile — 3 points below its risk-to-structures score, a gap driven by how much is actually built there.
Toro Canyon's building exposure, zone by zone
Direct exposure dominates in Toro Canyon: 72.3% of its 1,653 buildings, versus 27.7% Indirect and 0.1% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Toro Canyon against the rest of the country
Toro Canyon ranks lower within California (45th percentile statewide) than its 83rd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Toro Canyon ranks 5,412 for wildfire risk (1 is highest) and 8,583 by building count (1 is largest). Within California alone, it ranks 868 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
Toro Canyon 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 83rd-percentile score like Toro Canyon's can end up mattering for. More on the disclosure law.
Hardening a home in Toro Canyon
Because Direct exposure dominates in Toro Canyon (72.3%), 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 1,653 counted buildings into the percentiles shown above for Toro Canyon. For more on what direct exposure implies beyond Toro Canyon, see the exposure-zones guide.