Cobbtown, FL
How exposed is Cobbtown to wildfire?
USFS's Wildfire Risk to Communities model puts Cobbtown at the 84th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 64 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Cobbtown at the 86th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
100% of Cobbtown's 64 buildings sit in USFS's Direct exposure zone, roughly 64 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Cobbtown ranks
Inside Florida, Cobbtown sits at just the 62nd percentile even though it scores 84th 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, Cobbtown ranks 4,943 for wildfire risk (1 is highest) and 30,497 by building count (1 is largest). Within Florida alone, it ranks 365 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 84th percentile nationally, Cobbtown 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
With 100% of Cobbtown in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Cobbtown's figures come from
Every one of the two percentiles behind Cobbtown's 4,943-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Cobbtown's dominant direct exposure actually means, with real examples from across the dataset.