Homeland, CA
How exposed is Homeland to wildfire?
USFS's Wildfire Risk to Communities model puts Homeland at the 93rd national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 2,978 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Homeland at the 94th percentile, close to its 93rd-percentile risk score.
Where Homeland's buildings actually sit
Indirect exposure is dominant in Homeland (66.8% of 2,978 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 33.2% sit in the Direct zone.
How Homeland compares
Homeland ranks lower within California (69th percentile statewide) than its 93rd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Homeland ranks 2,100 for wildfire risk (1 is highest) and 5,472 by building count (1 is largest). Within California alone, it ranks 484 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
Homeland 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 93rd-percentile score like Homeland's can end up mattering for. More on the disclosure law.
Lowering exposure, not just insuring around it
Homeland's 66.8% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Homeland's figures come from
Homeland's 93rd-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 Homeland's dominant indirect exposure actually means, with real examples from across the dataset.