Chuluota, FL
Chuluota wildfire risk explained
Chuluota sits at the 94th 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 1,278 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 Chuluota at the 95th percentile, close to its 94th-percentile risk score.
Where Chuluota's buildings actually sit
USFS classifies 62% of Chuluota's buildings as Direct exposure, higher than its 37.9% Indirect share and far above its 0.2% Minimal share — a profile where 792 structures sit close enough to vegetation that lot clearing matters most.
Chuluota against the rest of the country
Chuluota's risk sits at a similar level relative to Florida (89th percentile statewide) as it does nationally (94th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Chuluota ranks 1,912 for wildfire risk (1 is highest) and 10,205 by building count (1 is largest). Within Florida alone, it ranks 102 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Chuluota and the insurance market
Chuluota's 94th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
What would actually reduce this score
Chuluota's 62% 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 Chuluota's 1,912-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Chuluota, see the exposure-zones guide.