Garden Acres, CA
How exposed is Garden Acres to wildfire?
USFS scores Garden Acres at the 79th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 3,803 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Garden Acres's burn probability — fire likelihood with no building count factored in — sits at the 81st percentile nationally.
What "at risk" means for the buildings here
Most of Garden Acres's buildings (81.7% of 3,803) 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.
Garden Acres against the rest of the country
Garden Acres's 79th national percentile looks worse in isolation than its 39th 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, Garden Acres ranks 6,545 for wildfire risk (1 is highest) and 4,417 by building count (1 is largest). Within California alone, it ranks 953 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
Garden Acres's 79th-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
Garden Acres's 81.7% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Garden Acres's figures come from
The methodology guide shows exactly how USFS turned 3,803 counted buildings into the percentiles shown above for Garden Acres. The exposure-zones guide covers what Garden Acres's dominant minimal exposure actually means, with real examples from across the dataset.