San Marino, CA
San Marino wildfire risk explained
San Marino's 7,710 buildings earn a 49th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks San Marino at the 51st national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Most of San Marino's buildings (85.1% of 7,710) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure. At 7,710 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How San Marino compares
Inside California, San Marino sits at just the 10th percentile even though it scores 49th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, San Marino ranks 16,190 for wildfire risk (1 is highest) and 2,209 by building count (1 is largest). Within California alone, it ranks 1,421 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
San Marino and the insurance market
San Marino's 49th-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.
Lowering exposure, not just insuring around it
San Marino's 85.1% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
San Marino's 49th-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 Marino, see the exposure-zones guide.