San Joaquin, CA
How exposed is San Joaquin to wildfire?
Out of every US place USFS scores, San Joaquin lands at the 64th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 880 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, San Joaquin's burn probability — fire likelihood with no building count factored in — sits at the 62nd percentile nationally.
Where San Joaquin's buildings actually sit
94.8% of San Joaquin's 880 buildings sit in USFS's Minimal exposure zone, with only 5.2% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
San Joaquin against the rest of the country
San Joaquin ranks lower within California (22nd percentile statewide) than its 64th 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 Joaquin ranks 11,494 for wildfire risk (1 is highest) and 12,910 by building count (1 is largest). Within California alone, it ranks 1,229 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 Joaquin's 64th-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.
Hardening a home in San Joaquin
With 94.8% of buildings rated Minimal exposure, San Joaquin gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
San Joaquin's 64th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond San Joaquin, see the exposure-zones guide.