Turlock, CA
Turlock, CA's wildfire risk, in USFS's own numbers
Turlock's 22,850 buildings earn a 72nd-percentile wildfire-risk score nationally under USFS's model — well above the national norm 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 Turlock at the 72nd percentile, close to its 72nd-percentile risk score.
Turlock's building exposure, zone by zone
Only 3.9% of Turlock's 22,850 buildings carry Direct exposure and 0% carry Indirect; the remaining 96.1% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 22,850 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Turlock against the rest of the country
Turlock ranks lower within California (30th percentile statewide) than its 72nd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Turlock ranks 8,814 for wildfire risk (1 is highest) and 580 by building count (1 is largest). Within California alone, it ranks 1,098 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
Turlock's 72nd-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
Turlock's 96.1% 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.
Where Turlock's figures come from
Every one of the two percentiles behind Turlock's 8,814-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Turlock's dominant minimal exposure actually means, with real examples from across the dataset.