San Geronimo, CA
How exposed is San Geronimo to wildfire?
USFS scores San Geronimo at the 93rd national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 241 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks San Geronimo at the 94th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where San Geronimo's buildings actually sit
Of San Geronimo's 241 counted buildings, 93.4% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
San Geronimo against the rest of the country
San Geronimo ranks lower within California (69th percentile statewide) than its 93rd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, San Geronimo ranks 2,167 for wildfire risk (1 is highest) and 23,417 by building count (1 is largest). Within California alone, it ranks 491 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 Geronimo 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 93rd-percentile score like San Geronimo's can end up mattering for. More on the disclosure law.
What would actually reduce this score
San Geronimo's 93.4% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
San Geronimo's 93rd-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 San Geronimo, see the exposure-zones guide.