Anza wildfire risk explained
Anza sits at the 100th 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 2,836 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Anza at the 100th percentile, close to its 100th-percentile risk score.
Anza's building exposure, zone by zone
Of Anza's 2,836 counted buildings, 99.5% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Anza compares
There's little gap between Anza's 100th national percentile and its 100th percentile inside California, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Anza ranks 1 for wildfire risk (1 is highest) and 5,686 by building count (1 is largest). Within California alone, it ranks 1 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Anza and the insurance market
Anza 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 100th-percentile score like Anza's can end up mattering for. More on the disclosure law.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Anza (99.5%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Anza's figures come from
Every one of the two percentiles behind Anza's 1-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Anza's dominant direct exposure actually means, with real examples from across the dataset.