Berrydale, FL
Berrydale wildfire risk explained
USFS's Wildfire Risk to Communities model puts Berrydale at the 84th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 289 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Berrydale at the 85th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Berrydale's buildings actually sit
289 buildings are counted in Berrydale, and 88.9% 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.
How Berrydale compares
Berrydale's 84th national percentile looks worse in isolation than its 60th ranking inside Florida does — this place is on the milder end for its own state, by 24 points. Among the 31,521 US communities USFS scores, Berrydale ranks 5,100 for wildfire risk (1 is highest) and 21,935 by building count (1 is largest). Within Florida alone, it ranks 383 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 84th percentile nationally, Berrydale carries the very 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Berrydale (88.9%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Berrydale's figures come from
The methodology guide shows exactly how USFS turned 289 counted buildings into the percentiles shown above for Berrydale. The exposure-zones guide covers what Berrydale's dominant direct exposure actually means, with real examples from across the dataset.