Diablo Grande, CA
Diablo Grande, CA's wildfire risk, in USFS's own numbers
Diablo Grande's 541 buildings earn a 99th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Diablo Grande at the 99th percentile, close to its 99th-percentile risk score.
Where Diablo Grande's buildings actually sit
USFS classifies 51.8% of Diablo Grande's buildings as Direct exposure, higher than its 48.2% Indirect share and far above its 0% Minimal share — a profile where 280 structures sit close enough to vegetation that lot clearing matters most.
How Diablo Grande compares
Diablo Grande scores 99th nationally and 86th within California — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Diablo Grande ranks 469 for wildfire risk (1 is highest) and 16,695 by building count (1 is largest). Within California alone, it ranks 215 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
Diablo Grande's 99th-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.
What would actually reduce this score
Because Direct exposure dominates in Diablo Grande (51.8%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Diablo Grande's figures come from
Diablo Grande's 99th-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 Diablo Grande's dominant direct exposure actually means, with real examples from across the dataset.