Windsor, CA
Windsor wildfire risk explained
USFS's Wildfire Risk to Communities model puts Windsor at the 72nd national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 9,781 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Windsor's burn probability — fire likelihood with no building count factored in — sits at the 75th percentile nationally.
Windsor's building exposure, zone by zone
Most of Windsor's buildings (53.2% of 9,781) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure. At 9,781 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Windsor ranks
Windsor's 72nd national percentile looks worse in isolation than its 30th ranking inside California does — this place is on the milder end for its own state, by 42 points. Among the 31,521 US communities USFS scores, Windsor ranks 8,876 for wildfire risk (1 is highest) and 1,669 by building count (1 is largest). Within California alone, it ranks 1,103 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Windsor and the insurance market
Windsor'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.
Hardening a home in Windsor
With 53.2% of buildings rated Minimal exposure, Windsor 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
Every one of the two percentiles behind Windsor's 8,876-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Windsor, see the exposure-zones guide.