Home Garden, CA
Home Garden, CA's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Home Garden lands at the 63rd percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 586 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 Home Garden at the 63rd percentile, close to its 63rd-percentile risk score.
Home Garden's building exposure, zone by zone
USFS classifies 76.5% of Home Garden's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 23.6% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How Home Garden compares
Home Garden's 63rd national percentile looks worse in isolation than its 20th ranking inside California does — this place is on the milder end for its own state, by 42 points. Among the 31,521 US communities USFS scores, Home Garden ranks 11,777 for wildfire risk (1 is highest) and 16,017 by building count (1 is largest). Within California alone, it ranks 1,249 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
Because Home Garden is in California, a wildfire-hazard disclosure is legally required before a sale closes here — unusual nationally, since only these two states mandate it. The state's FAIR Plan alone carried 668,609 policies by the end of 2025. Full detail in the disclosure-law guide.
Hardening a home in Home Garden
Home Garden's 76.5% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 586 counted buildings into the percentiles shown above for Home Garden. For more on what minimal exposure implies beyond Home Garden, see the exposure-zones guide.