Coleman, FL
Coleman wildfire risk explained
Out of every US place USFS scores, Coleman lands at the 85th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 411 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Coleman's burn probability — fire likelihood with no building count factored in — sits at the 87th percentile nationally.
Where Coleman's buildings actually sit
USFS classifies 81.5% of Coleman's buildings as Direct exposure, higher than its 18.5% Indirect share and far above its 0% Minimal share — a profile where 335 structures sit close enough to vegetation that lot clearing matters most.
How Coleman compares
Coleman'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, Coleman ranks 4,814 for wildfire risk (1 is highest) and 19,003 by building count (1 is largest). Within Florida alone, it ranks 354 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
Coleman'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
Because Direct exposure dominates in Coleman (81.5%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Coleman's figures come from
Every one of the two percentiles behind Coleman's 4,814-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Coleman's dominant direct exposure actually means, with real examples from across the dataset.