San Martin, CA
San Martin wildfire risk explained
USFS scores San Martin at the 89th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 5,280 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, San Martin's burn probability — fire likelihood with no building count factored in — sits at the 91st percentile nationally.
San Martin's building exposure, zone by zone
Of San Martin's 5,280 counted buildings, 74.1% carry Direct exposure and only 10.7% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first. At 5,280 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
San Martin against the rest of the country
San Martin ranks lower within California (60th percentile statewide) than its 89th 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 Martin ranks 3,331 for wildfire risk (1 is highest) and 3,268 by building count (1 is largest). Within California alone, it ranks 630 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 Martin 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 89th-percentile score like San Martin's can end up mattering for. More on the disclosure law.
Lowering exposure, not just insuring around it
San Martin's 74.1% 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.
Where San Martin's figures come from
Every one of the two percentiles behind San Martin's 3,331-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what San Martin's dominant direct exposure actually means, with real examples from across the dataset.