San Diego Country Estates, CA
How exposed is San Diego Country Estates to wildfire?
San Diego Country Estates's 4,191 buildings earn a 100th-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.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts San Diego Country Estates at the 100th percentile, close to its 100th-percentile risk score.
San Diego Country Estates's building exposure, zone by zone
4,191 buildings are counted in San Diego Country Estates, and 59.6% 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% rated Minimal.
How San Diego Country Estates compares
San Diego Country Estates's risk sits at a similar level relative to California (98th percentile statewide) as it does nationally (100th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, San Diego Country Estates ranks 68 for wildfire risk (1 is highest) and 4,065 by building count (1 is largest). Within California alone, it ranks 45 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
San Diego Country Estates 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 100th-percentile score like San Diego Country Estates's can end up mattering for. More on the disclosure law.
What would actually reduce this score
Because Direct exposure dominates in San Diego Country Estates (59.6%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind San Diego Country Estates's 68-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond San Diego Country Estates, see the exposure-zones guide.