Black Diamond, FL
How exposed is Black Diamond to wildfire?
Out of every US place USFS scores, Black Diamond lands at the 68th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 722 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Black Diamond at the 67th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Black Diamond's buildings actually sit
USFS classifies 49.5% of Black Diamond's buildings as Direct exposure, higher than its 2.6% Indirect share and far above its 47.9% Minimal share — a profile where 357 structures sit close enough to vegetation that lot clearing matters most.
Where Black Diamond ranks
Inside Florida, Black Diamond sits at just the 24th percentile even though it scores 68th 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, Black Diamond ranks 10,236 for wildfire risk (1 is highest) and 14,420 by building count (1 is largest). Within Florida alone, it ranks 730 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Black Diamond
At the 68th percentile nationally, Black Diamond 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.
Lowering exposure, not just insuring around it
Black Diamond's 49.5% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Every one of the two percentiles behind Black Diamond's 10,236-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Black Diamond, see the exposure-zones guide.