Valley Home, CA
How exposed is Valley Home to wildfire?
USFS's Wildfire Risk to Communities model puts Valley Home at the 94th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 229 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Valley Home's burn probability — fire likelihood with no building count factored in — sits at the 95th percentile nationally.
What "at risk" means for the buildings here
Direct exposure dominates in Valley Home: 86.5% of its 229 buildings, versus 13.5% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Valley Home ranks
Valley Home's 94th national percentile looks worse in isolation than its 70th ranking inside California does — this place is on the milder end for its own state, by 23 points. Among the 31,521 US communities USFS scores, Valley Home ranks 1,981 for wildfire risk (1 is highest) and 23,814 by building count (1 is largest). Within California alone, it ranks 470 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
Valley Home sits in California, one of two states that legally require a wildfire-risk disclosure at sale. California's FAIR Plan, the state's insurer of last resort, ended 2025 with 668,609 residential policies after adding 21,859 in Q4 alone — the kind of market shift a 94th-percentile score like Valley Home's can end up mattering for. More on the disclosure law.
Hardening a home in Valley Home
With 86.5% of Valley Home 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 Valley Home's figures come from
Valley Home's 94th-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 Valley Home's dominant direct exposure actually means, with real examples from across the dataset.