Home Gardens, CA
Home Gardens, CA's wildfire risk, in USFS's own numbers
Home Gardens sits at the 83rd 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 2,952 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 Home Gardens at the 84th percentile, close to its 83rd-percentile risk score.
What "at risk" means for the buildings here
99.1% of Home Gardens's 2,952 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 1% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
How Home Gardens compares
Home Gardens's 83rd national percentile looks worse in isolation than its 45th ranking inside California does — this place is on the milder end for its own state, by 38 points. Among the 31,521 US communities USFS scores, Home Gardens ranks 5,348 for wildfire risk (1 is highest) and 5,509 by building count (1 is largest). Within California alone, it ranks 865 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Shopping for coverage in Home Gardens
Home Gardens sits in California, one of two states that legally require a wildfire-risk disclosure at sale. California's FAIR Plan, the state's insurer of last resort, ended 2025 with 668,609 residential policies after adding 21,859 in Q4 alone — the kind of market shift a 83rd-percentile score like Home Gardens's can end up mattering for. More on the disclosure law.
What would actually reduce this score
Because 99.1% of Home Gardens's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
Home Gardens's 83rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Home Gardens, see the exposure-zones guide.