Upland, CA
How exposed is Upland to wildfire?
USFS scores Upland at the 100th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 24,889 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 Upland at the 99th percentile, close to its 100th-percentile risk score.
Where Upland's buildings actually sit
Upland rates 78.3% Minimal exposure against just 2.6% Direct and 19.1% Indirect — of 24,889 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually. At 24,889 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Upland against the rest of the country
Upland's risk sits at a similar level relative to California (94th percentile statewide) as it does nationally (100th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Upland ranks 157 for wildfire risk (1 is highest) and 514 by building count (1 is largest). Within California alone, it ranks 101 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
Upland's 100th-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
With 78.3% of buildings rated Minimal exposure, Upland gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 24,889 counted buildings into the percentiles shown above for Upland. For more on what minimal exposure implies beyond Upland, see the exposure-zones guide.