The lower in frequency you go, the less it penetrates, and the more important it is to be outside. Any kind of metal reinforcement, especially if grounded, make it worse. As far as the site, at low band, 120 watts isn't that much, and it's probably just one or two folded dipoles, as opposed to higher gain antennas that might be used at higher freqs. The whip, being way shorter than 70" (42 MHz quarter-wave) and without a ground plane, is also pretty ineffective.
I think that's right for San Bernardino. AFAIK, 162.500 WXM66 is at Strawberry, 162.450 WWG21 is at Beeks Place (near Pleasants, between Santiago and Sierra), and you might hear 162.550 KWO37 Mt. Lukens or one of the 162.400 stations (Mt. Woodson KEC62 or Cactus City KIG78) or WZ2505 Bald Mtn. (up in the grapevine) on 162.425 in the right propagation conditions.