Sereno del Mar, CA
Sereno del Mar wildfire risk explained
Sereno del Mar sits at the 87th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 161 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Sereno del Mar at the 89th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Sereno del Mar's building exposure, zone by zone
161 buildings are counted in Sereno del Mar, and 87% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Where Sereno del Mar ranks
Sereno del Mar ranks lower within California (54th percentile statewide) than its 87th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Sereno del Mar ranks 4,215 for wildfire risk (1 is highest) and 26,368 by building count (1 is largest). Within California alone, it ranks 727 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
Because Sereno del Mar is in California, a wildfire-hazard disclosure is legally required before a sale closes here — unusual nationally, since only these two states mandate it. The state's FAIR Plan alone carried 668,609 policies by the end of 2025. Full detail in the disclosure-law guide.
What would actually reduce this score
Sereno del Mar's 87% 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
Every one of the two percentiles behind Sereno del Mar's 4,215-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Sereno del Mar, see the exposure-zones guide.