Val Verde, CA
How exposed is Val Verde to wildfire?
Val Verde sits at the 97th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 847 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Val Verde's burn probability — fire likelihood with no building count factored in — sits at the 96th percentile nationally.
Val Verde's building exposure, zone by zone
62.1% of Val Verde's 847 buildings sit in USFS's Direct exposure zone, roughly 526 structures close enough to burnable vegetation for flame contact, not just embers — 37.9% fall in the Indirect, ember-only zone and 0% are Minimal.
Val Verde against the rest of the country
Val Verde's 97th national percentile looks worse in isolation than its 79th ranking inside California does — this place is on the milder end for its own state, by 18 points. Among the 31,521 US communities USFS scores, Val Verde ranks 938 for wildfire risk (1 is highest) and 13,187 by building count (1 is largest). Within California alone, it ranks 329 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Shopping for coverage in Val Verde
Val Verde's 97th-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 62.1% of Val Verde in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Val Verde's figures come from
Val Verde's 97th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Val Verde's dominant direct exposure actually means, with real examples from across the dataset.