Martinez, CA
How exposed is Martinez to wildfire?
Martinez's 13,773 buildings earn a 92nd-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Martinez at the 93rd national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Martinez's building exposure, zone by zone
Martinez rates 46.5% Minimal exposure against just 10.7% Direct and 42.8% Indirect — of 13,773 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually. At 13,773 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Martinez compares
Inside California, Martinez sits at just the 66th percentile even though it scores 92nd 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, Martinez ranks 2,575 for wildfire risk (1 is highest) and 1,100 by building count (1 is largest). Within California alone, it ranks 538 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 Martinez 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 Martinez
Even with 46.5% of Martinez outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Martinez's 2,575-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Martinez, see the exposure-zones guide.