<p>Fire hydrants are critical to urban fire response, giving emergency personnel access to water to protect communities and property. In coastal California’s Mediterranean climate, with hot, dry summers and occasional strong winds, understanding how hydrant networks, urban form, and response operations influence structure fire outcomes is essential. This study examines past structure fire incidents in urban areas of Santa Barbara County to (i) better understand where fires occur and (ii) identify drivers of loss and occurrence, with particular attention to how hydrant infrastructure relates to these outcomes. Spatial mapping is combined with statistical models of incident counts and monetary losses. Fires are primarily clustered around major activity centers. While hydrant availability is not associated with incident occurrence, population and housing density are primary predictors of where incidents occur. Loss severity increases with total suppression time and property area, and incidents beginning near dawn have substantially higher expected losses. After controlling for operational factors and property type, hydrant proximity and code-compliant access are not independently associated with loss magnitude, suggesting that damage in this setting is more sensitive to time to control than to differences in hydrant proximity. These findings support density-focused prevention efforts and call attention to reducing suppression time to limit damage.</p>