Monument Hills, CA
Monument Hills wildfire risk explained
USFS's Wildfire Risk to Communities model puts Monument Hills at the 75th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 1,100 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Monument Hills's burn probability — fire likelihood with no building count factored in — sits at the 75th percentile nationally.
Monument Hills's building exposure, zone by zone
USFS classifies 87.7% of Monument Hills's buildings as Direct exposure, higher than its 12.3% Indirect share and far above its 0% Minimal share — a profile where 965 structures sit close enough to vegetation that lot clearing matters most.
Where Monument Hills ranks
Inside California, Monument Hills sits at just the 33rd percentile even though it scores 75th 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, Monument Hills ranks 7,935 for wildfire risk (1 is highest) and 11,271 by building count (1 is largest). Within California alone, it ranks 1,060 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
Shopping for coverage in Monument Hills
Monument Hills's 75th-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.
Lowering exposure, not just insuring around it
With 87.7% of Monument Hills 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.
More on how this number was built
Monument Hills's 75th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Monument Hills, see the exposure-zones guide.