Christmas, FL
How exposed is Christmas to wildfire?
Christmas sits at the 98th 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 1,679 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Christmas at the 99th percentile, close to its 98th-percentile risk score.
Where Christmas's buildings actually sit
1,679 buildings are counted in Christmas, and 98.6% 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.
How Christmas compares
Christmas's risk sits at a similar level relative to Florida (99th percentile statewide) as it does nationally (98th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Christmas ranks 505 for wildfire risk (1 is highest) and 8,495 by building count (1 is largest). Within Florida alone, it ranks 15 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Christmas and the insurance market
At the 98th percentile nationally, Christmas 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
Christmas's 98.6% 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.
Where Christmas's figures come from
Every one of the two percentiles behind Christmas's 505-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Christmas's dominant direct exposure actually means, with real examples from across the dataset.