Tracy, CA
How exposed is Tracy to wildfire?
USFS scores Tracy at the 93rd national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 27,410 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Tracy at the 93rd percentile, close to its 93rd-percentile risk score.
Tracy's building exposure, zone by zone
72% of Tracy's 27,410 buildings sit in USFS's Minimal exposure zone, with only 2.6% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself. At 27,410 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Tracy compares
Tracy ranks lower within California (68th percentile statewide) than its 93rd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Tracy ranks 2,356 for wildfire risk (1 is highest) and 448 by building count (1 is largest). Within California alone, it ranks 513 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Tracy and the insurance market
Tracy's 93rd-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.
What would actually reduce this score
Even with 72% of Tracy outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Tracy's figures come from
The methodology guide shows exactly how USFS turned 27,410 counted buildings into the percentiles shown above for Tracy. The exposure-zones guide covers what Tracy's dominant minimal exposure actually means, with real examples from across the dataset.