Garden Farms, CA
How exposed is Garden Farms to wildfire?
Out of every US place USFS scores, Garden Farms lands at the 98th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 297 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Garden Farms at the 98th percentile, close to its 98th-percentile risk score.
Where Garden Farms's buildings actually sit
USFS classifies 95% of Garden Farms's buildings as Direct exposure, higher than its 5.1% Indirect share and far above its 0% Minimal share — a profile where 282 structures sit close enough to vegetation that lot clearing matters most.
How Garden Farms compares
Garden Farms'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, Garden Farms ranks 683 for wildfire risk (1 is highest) and 21,702 by building count (1 is largest). Within California alone, it ranks 276 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Shopping for coverage in Garden Farms
Garden Farms's 98th-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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Garden Farms (95%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Garden Farms's figures come from
Garden Farms's 98th-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 Garden Farms's dominant direct exposure actually means, with real examples from across the dataset.