Torrance, CA
Torrance wildfire risk explained
Torrance's 46,898 buildings earn a 54th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Torrance at the 56th percentile, close to its 54th-percentile risk score.
Torrance's building exposure, zone by zone
Most of Torrance's buildings (99.7% of 46,898) 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 46,898 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Torrance ranks
Torrance's 54th national percentile looks worse in isolation than its 13th ranking inside California does — this place is on the milder end for its own state, by 41 points. Among the 31,521 US communities USFS scores, Torrance ranks 14,616 for wildfire risk (1 is highest) and 191 by building count (1 is largest). Within California alone, it ranks 1,365 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Shopping for coverage in Torrance
Torrance's 54th-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
Torrance's 99.7% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 46,898 counted buildings into the percentiles shown above for Torrance. For more on what minimal exposure implies beyond Torrance, see the exposure-zones guide.