Bell, FL
Bell wildfire risk explained
USFS's Wildfire Risk to Communities model puts Bell at the 71st national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 366 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Bell's burn probability — fire likelihood with no building count factored in — sits at the 72nd percentile nationally.
Bell's building exposure, zone by zone
366 buildings are counted in Bell, and 54.6% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Bell against the rest of the country
Inside Florida, Bell sits at just the 27th percentile even though it scores 71st nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Bell ranks 9,259 for wildfire risk (1 is highest) and 19,937 by building count (1 is largest). Within Florida alone, it ranks 693 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
At the 71st percentile nationally, Bell carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
What would actually reduce this score
With 54.6% of Bell in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Bell's 9,259-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Bell, see the exposure-zones guide.