Fremont, CA
How exposed is Fremont to wildfire?
Fremont sits at the 92nd 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 58,822 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 Fremont at the 93rd percentile, close to its 92nd-percentile risk score.
Where Fremont's buildings actually sit
Fremont rates 61.8% Minimal exposure against just 2.2% Direct and 36.1% Indirect — of 58,822 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually. At 58,822 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Fremont ranks
Fremont ranks lower within California (66th percentile statewide) than its 92nd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Fremont ranks 2,542 for wildfire risk (1 is highest) and 136 by building count (1 is largest). Within California alone, it ranks 531 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
Fremont's 92nd-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.
Hardening a home in Fremont
With 61.8% of buildings rated Minimal exposure, Fremont gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Fremont's 92nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Fremont, see the exposure-zones guide.