Chumuckla, FL
How exposed is Chumuckla to wildfire?
Out of every US place USFS scores, Chumuckla lands at the 85th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 805 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Chumuckla at the 86th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Chumuckla's buildings actually sit
Of Chumuckla's 805 counted buildings, 91.3% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Chumuckla ranks
Chumuckla's 85th national percentile looks worse in isolation than its 63rd ranking inside Florida does — this place is on the milder end for its own state, by 22 points. Among the 31,521 US communities USFS scores, Chumuckla ranks 4,783 for wildfire risk (1 is highest) and 13,587 by building count (1 is largest). Within Florida alone, it ranks 351 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Chumuckla
Chumuckla's very high rating (85th 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.
Lowering exposure, not just insuring around it
Chumuckla's 91.3% 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 Chumuckla's figures come from
Chumuckla's 85th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Chumuckla's dominant direct exposure actually means, with real examples from across the dataset.