Ave Maria, FL
Ave Maria, FL's wildfire risk, in USFS's own numbers
USFS scores Ave Maria at the 95th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 1,497 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Ave Maria at the 96th percentile, close to its 95th-percentile risk score.
Where Ave Maria's buildings actually sit
Indirect exposure is dominant in Ave Maria (57.6% of 1,497 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 42.4% sit in the Direct zone.
How Ave Maria compares
There's little gap between Ave Maria's 95th national percentile and its 93rd percentile inside Florida, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Ave Maria ranks 1,504 for wildfire risk (1 is highest) and 9,182 by building count (1 is largest). Within Florida alone, it ranks 63 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
What this risk score means for insurance
Ave Maria's very high rating (95th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Hardening a home in Ave Maria
Ave Maria's 57.6% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Ave Maria's figures come from
Ave Maria's 95th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Ave Maria's dominant indirect exposure actually means, with real examples from across the dataset.