Bunnell, FL
How exposed is Bunnell to wildfire?
Bunnell sits at the 92nd percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 1,797 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Bunnell's burn probability — fire likelihood with no building count factored in — sits at the 93rd percentile nationally.
Bunnell's building exposure, zone by zone
USFS puts 56% of Bunnell's 1,797 buildings in the Indirect exposure zone, versus 44% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Bunnell against the rest of the country
There's little gap between Bunnell's 92nd national percentile and its 86th percentile inside Florida, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Bunnell ranks 2,391 for wildfire risk (1 is highest) and 8,073 by building count (1 is largest). Within Florida alone, it ranks 132 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
Bunnell's very high rating (92nd percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Hardening a home in Bunnell
Bunnell's 56% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Bunnell's 2,391-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Bunnell, see the exposure-zones guide.