The fungi that cause chromoblastomycosis tend to be found on wood/bark and in the soil. These tend to enter the skin through a penetrating injury (a splinter, nail, or similar mechanism) especially in farmers, miners & rural area workers
There are six fungi that are responsible for the vast majority of cases: Fonsecaea pedrosoi, Fonsecaea compacta, Fonsecaea monophora, Phialophora verrucosa, Cladophialophora carrionii (formerly Cladosporium carrionii), and Rhinocladiella aquaspersa.