Alva, FL
Alva, FL's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Alva lands at the 92nd percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 2,292 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Alva at the 94th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Alva's buildings actually sit
USFS classifies 81.8% of Alva's buildings as Direct exposure, higher than its 17.6% Indirect share and far above its 0.7% Minimal share — a profile where 1,874 structures sit close enough to vegetation that lot clearing matters most.
Alva against the rest of the country
There's little gap between Alva's 92nd national percentile and its 86th percentile inside Florida, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Alva ranks 2,390 for wildfire risk (1 is highest) and 6,714 by building count (1 is largest). Within Florida alone, it ranks 131 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Alva and the insurance market
Alva's 92nd-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Alva (81.8%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Alva's 92nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Alva, see the exposure-zones guide.