Coronado, CA
Coronado wildfire risk explained
USFS's Wildfire Risk to Communities model puts Coronado at the 48th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 7,347 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Coronado's burn probability — fire likelihood with no building count factored in — sits at the 49th percentile nationally.
Coronado's building exposure, zone by zone
Most of Coronado's buildings (99.2% of 7,347) 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 7,347 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Coronado against the rest of the country
Coronado ranks lower within California (9th percentile statewide) than its 48th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Coronado ranks 16,283 for wildfire risk (1 is highest) and 2,324 by building count (1 is largest). Within California alone, it ranks 1,423 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
Coronado 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 48th-percentile score like Coronado's can end up mattering for. More on the disclosure law.
Hardening a home in Coronado
Even with 99.2% of Coronado outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Coronado's figures come from
Coronado's 48th-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 Coronado's dominant minimal exposure actually means, with real examples from across the dataset.