Know Your Risk
IS YOUR HOME IN A WUI ZONE?
A Wildland-Urban Interface (WUI) zone is any area where homes meet or intermingle with undeveloped wildland vegetation. California has more WUI-zone homes than any other state — and Santa Clara and Santa Cruz counties are among the most at-risk regions in the Bay Area. If your home backs up to open hills, canyons, or undeveloped land, you're almost certainly in or adjacent to a WUI zone.
Cal Fire requires homes in WUI zones to maintain defensible space — a cleared buffer zone around the property. But defensible space alone isn't enough. Your roof and gutters must be free of dry organic debris, and your exterior surfaces must be clean — because embers travel up to a mile ahead of a fire front and can land anywhere on your property.
Homes backing up to the Diablo Range foothills face direct ember cast risk during Diablo wind events. Annual roof and gutter cleaning before dry season is critical.
Heavy oak and madrone tree coverage accelerates roof debris accumulation. Many homeowners in Los Gatos and Saratoga have received insurance non-renewal notices due to roof condition.
Evergreen, Silver Creek, and Almaden Valley sit at the base of WUI-adjacent terrain. Valley wind patterns can carry embers from grassland fires directly into these neighborhoods.
Dry grassland and agricultural land surrounding both cities creates high ember cast risk during late summer and fall. Roof and gutter maintenance before October is strongly recommended.