San Ramon, CA
San Ramon, CA's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts San Ramon at the 93rd national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 23,388 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks San Ramon at the 95th national percentile — 1 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
Indirect exposure is dominant in San Ramon (70.3% of 23,388 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 9.6% sit in the Direct zone. At 23,388 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where San Ramon ranks
Inside California, San Ramon sits at just the 69th percentile even though it scores 93rd 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 Ramon ranks 2,132 for wildfire risk (1 is highest) and 554 by building count (1 is largest). Within California alone, it ranks 487 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 Ramon 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 Ramon's can end up mattering for. More on the disclosure law.
Lowering exposure, not just insuring around it
San Ramon's 70.3% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind San Ramon's 2,132-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond San Ramon, see the exposure-zones guide.