Jamul, CA
Jamul, CA's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Jamul at the 99th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 3,296 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 Jamul at the 99th percentile, close to its 99th-percentile risk score.
Jamul's building exposure, zone by zone
Of Jamul's 3,296 counted buildings, 73.5% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Jamul ranks
Jamul's risk sits at a similar level relative to California (92nd percentile statewide) as it does nationally (99th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Jamul ranks 214 for wildfire risk (1 is highest) and 5,050 by building count (1 is largest). Within California alone, it ranks 122 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
Jamul's 99th-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
Because Direct exposure dominates in Jamul (73.5%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Jamul's figures come from
Jamul's 99th-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 Jamul's dominant direct exposure actually means, with real examples from across the dataset.