Campbell, FL
Campbell, FL's wildfire risk, in USFS's own numbers
Campbell's 1,355 buildings earn a 87th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Campbell at the 88th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Campbell's buildings actually sit
Indirect exposure is dominant in Campbell (55.7% of 1,355 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 44.4% sit in the Direct zone.
Campbell against the rest of the country
Inside Florida, Campbell 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, Campbell ranks 4,125 for wildfire risk (1 is highest) and 9,808 by building count (1 is largest). Within Florida alone, it ranks 274 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, Campbell 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 55.7% of Campbell's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Campbell's 4,125-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Campbell, see the exposure-zones guide.