Loma Mar, CA
Loma Mar wildfire risk explained
USFS's Wildfire Risk to Communities model puts Loma Mar at the 79th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 36 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 Loma Mar at the 81st percentile, close to its 79th-percentile risk score.
Where Loma Mar's buildings actually sit
Of Loma Mar's 36 counted buildings, 100% 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.
Loma Mar against the rest of the country
Inside California, Loma Mar sits at just the 40th percentile even though it scores 79th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Loma Mar ranks 6,518 for wildfire risk (1 is highest) and 31,248 by building count (1 is largest). Within California alone, it ranks 952 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Shopping for coverage in Loma Mar
Loma Mar 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 79th-percentile score like Loma Mar's can end up mattering for. More on the disclosure law.
Hardening a home in Loma Mar
With 100% of Loma Mar in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Loma Mar's figures come from
Every one of the two percentiles behind Loma Mar's 6,518-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Loma Mar's dominant direct exposure actually means, with real examples from across the dataset.