I think it’s safe to say that RB and 4S are in the fire zone. But good building practices can mitigate the risk.
I live fairly coastal, in UC, but because of San Clemente canyon – have a significant fire risk. According to the map, North County Coastal and OB have risk.
We had to get fire marshall review and approval for a project we’re doing. But the results are a structure that is much less flamable than our 45 year old existing home.