Brooker, FL
Brooker wildfire risk explained
Out of every US place USFS scores, Brooker lands at the 87th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 221 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Brooker at the 88th percentile, close to its 87th-percentile risk score.
What "at risk" means for the buildings here
USFS classifies 54.8% of Brooker's buildings as Direct exposure, higher than its 45.3% Indirect share and far above its 0% Minimal share — a profile where 121 structures sit close enough to vegetation that lot clearing matters most.
How Brooker compares
Inside Florida, Brooker sits at just the 71st percentile even though it scores 87th 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, Brooker ranks 4,124 for wildfire risk (1 is highest) and 24,073 by building count (1 is largest). Within Florida alone, it ranks 273 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 87th percentile nationally, Brooker 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
Because Direct exposure dominates in Brooker (54.8%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Brooker's figures come from
The methodology guide shows exactly how USFS turned 221 counted buildings into the percentiles shown above for Brooker. The exposure-zones guide covers what Brooker's dominant direct exposure actually means, with real examples from across the dataset.