Cross City, FL
How exposed is Cross City to wildfire?
Cross City's 919 buildings earn a 82nd-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Cross City at the 82nd percentile, close to its 82nd-percentile risk score.
What "at risk" means for the buildings here
Indirect exposure is dominant in Cross City (52.7% of 919 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 47.3% sit in the Direct zone.
How Cross City compares
Cross City ranks lower within Florida (55th percentile statewide) than its 82nd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Cross City ranks 5,543 for wildfire risk (1 is highest) and 12,558 by building count (1 is largest). Within Florida alone, it ranks 428 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Cross City
Cross City's very high rating (82nd 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
Cross City's 52.7% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 919 counted buildings into the percentiles shown above for Cross City. For more on what indirect exposure implies beyond Cross City, see the exposure-zones guide.