Ramona, CA
Ramona wildfire risk explained
Ramona sits at the 100th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 10,580 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Ramona at the 100th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Ramona's buildings actually sit
10,580 buildings are counted in Ramona, and 79% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0.3% rated Minimal. At 10,580 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Ramona ranks
There's little gap between Ramona's 100th national percentile and its 94th percentile inside California, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Ramona ranks 155 for wildfire risk (1 is highest) and 1,511 by building count (1 is largest). Within California alone, it ranks 99 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
Ramona's 100th-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
With 79% of Ramona 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 Ramona's figures come from
Every one of the two percentiles behind Ramona's 155-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Ramona's dominant direct exposure actually means, with real examples from across the dataset.