San Diego, TX
San Diego, TX's wildfire risk, in USFS's own numbers
San Diego sits at the 84th 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 2,012 counted buildings, not vegetation cover alone. (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 at the 84th percentile, close to its 84th-percentile risk score.
What "at risk" means for the buildings here
Indirect exposure is dominant in San Diego (85.7% of 2,012 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 14.3% sit in the Direct zone.
San Diego against the rest of the country
San Diego scores 84th nationally and 72nd within Texas — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, San Diego ranks 4,963 for wildfire risk (1 is highest) and 7,445 by building count (1 is largest). Within Texas alone, it ranks 506 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
What this risk score means for insurance
San Diego's 84th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Hardening a home in San Diego
With ember exposure the dominant pattern in San Diego (85.7% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
San Diego's 84th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond San Diego, see the exposure-zones guide.