El Adobe, CA
El Adobe, CA's wildfire risk, in USFS's own numbers
El Adobe's 296 buildings earn a 51st-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, El Adobe's burn probability — fire likelihood with no building count factored in — sits at the 53rd percentile nationally.
Where El Adobe's buildings actually sit
Of El Adobe's 296 counted buildings, 96% carry Direct exposure and only 4.1% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
El Adobe against the rest of the country
El Adobe's 51st national percentile looks worse in isolation than its 11th ranking inside California does — this place is on the milder end for its own state, by 40 points. Among the 31,521 US communities USFS scores, El Adobe ranks 15,434 for wildfire risk (1 is highest) and 21,724 by building count (1 is largest). Within California alone, it ranks 1,396 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
El Adobe and the insurance market
El Adobe's 51st-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
El Adobe's 96% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where El Adobe's figures come from
Every one of the two percentiles behind El Adobe's 15,434-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what El Adobe's dominant direct exposure actually means, with real examples from across the dataset.