Coto de Caza, CA
Coto de Caza wildfire risk explained
USFS's Wildfire Risk to Communities model puts Coto de Caza at the 98th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 4,972 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Coto de Caza's burn probability — fire likelihood with no building count factored in — sits at the 98th percentile nationally.
Where Coto de Caza's buildings actually sit
Most of Coto de Caza's buildings (79.5%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
How Coto de Caza compares
Coto de Caza's 98th national percentile looks worse in isolation than its 82nd ranking inside California does — this place is on the milder end for its own state, by 16 points. Among the 31,521 US communities USFS scores, Coto de Caza ranks 714 for wildfire risk (1 is highest) and 3,443 by building count (1 is largest). Within California alone, it ranks 284 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Shopping for coverage in Coto de Caza
Because Coto de Caza is in California, a wildfire-hazard disclosure is legally required before a sale closes here — unusual nationally, since only these two states mandate it. The state's FAIR Plan alone carried 668,609 policies by the end of 2025. Full detail in the disclosure-law guide.
Hardening a home in Coto de Caza
Because 79.5% of Coto de Caza's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
Coto de Caza's 98th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Coto de Caza, see the exposure-zones guide.