Urban wildfire resilience depends on interactions among built form, vegetation condition, and extreme fire weather, yet city-scale risk models often overlook whether predictive skill transfers across neighborhoods. We developed a spatially validated GeoAI workflow for the January 2025 Palisades Fire, linking 12,081 CAL FIRE damage inspections to pre-fire Sentinel-2 vegetation indices, Landsat surface temperature, LANDFIRE fuels, terrain, and OpenStreetMap buildings and roads. Among 9,883 inspected residential structures, 5,566 were destroyed. Random cross-validation yielded ROC-AUC 0.92 for the integrated XGBoost model, but 1 km spatial block validation reduced performance to 0.75; logistic regression performed similarly and was better calibrated. Building count within 100 m was the strongest predictor, with destruction odds increasing 4.12-fold per standard deviation. Vegetation moisture and greenness showed opposing conditional associations: NDMI at 100-300 m was protective (OR 0.52), whereas NDVI at 30-100 m was positively associated with destruction after accounting for moisture (OR 1.74). Predictive information was concentrated at the 100-300 m neighborhood scale. A separate post-fire track mapped burn severity and vegetation recovery without leakage. The results support neighborhood-scale susceptibility screening, moisture-aware vegetation management, and spatial block validation as a minimum standard for single-event urban wildfire modeling.

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