Cocoa, FL
Cocoa wildfire risk explained
Out of every US place USFS scores, Cocoa lands at the 96th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 8,058 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Cocoa at the 96th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Cocoa's building exposure, zone by zone
USFS classifies 67.6% of Cocoa's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 11.7% Direct and 20.7% Indirect — a landscape-level risk rather than a building-by-building one. At 8,058 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Cocoa against the rest of the country
There's little gap between Cocoa's 96th national percentile and its 96th percentile inside Florida, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Cocoa ranks 1,128 for wildfire risk (1 is highest) and 2,088 by building count (1 is largest). Within Florida alone, it ranks 38 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Cocoa and the insurance market
Cocoa's 96th-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.
Lowering exposure, not just insuring around it
With 67.6% of buildings rated Minimal exposure, Cocoa gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Cocoa's figures come from
Cocoa's 96th-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 Cocoa's dominant minimal exposure actually means, with real examples from across the dataset.