Black Hammock, FL
How exposed is Black Hammock to wildfire?
USFS scores Black Hammock at the 95th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 870 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 Black Hammock at the 95th percentile, close to its 95th-percentile risk score.
What "at risk" means for the buildings here
870 buildings are counted in Black Hammock, and 99.7% 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.
Where Black Hammock ranks
There's little gap between Black Hammock's 95th national percentile and its 92nd percentile inside Florida, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Black Hammock ranks 1,597 for wildfire risk (1 is highest) and 12,985 by building count (1 is largest). Within Florida alone, it ranks 72 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 95th percentile nationally, Black Hammock 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.
What would actually reduce this score
Black Hammock's 99.7% 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 Hammock's 1,597-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 Hammock, see the exposure-zones guide.