Combee Settlement, FL
Combee Settlement, FL's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Combee Settlement lands at the 87th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 2,483 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Combee Settlement at the 88th percentile, close to its 87th-percentile risk score.
What "at risk" means for the buildings here
Direct exposure dominates in Combee Settlement: 48.1% of its 2,483 buildings, versus 15.4% Indirect and 36.5% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Combee Settlement ranks
Combee Settlement ranks lower within Florida (71st percentile statewide) than its 87th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Combee Settlement ranks 4,126 for wildfire risk (1 is highest) and 6,328 by building count (1 is largest). Within Florida alone, it ranks 275 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
Combee Settlement's very high rating (87th 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.
What would actually reduce this score
Combee Settlement's 48.1% 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 Combee Settlement's 4,126-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Combee Settlement, see the exposure-zones guide.