Crystal River, FL
How exposed is Crystal River to wildfire?
Crystal River's 2,355 buildings earn a 90th-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.)
Fire likelihood alone (USFS's burn-probability figure) ranks Crystal River at the 88th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Most of Crystal River's buildings (78.2%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Where Crystal River ranks
There's little gap between Crystal River's 90th national percentile and its 81st percentile inside Florida, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Crystal River ranks 3,208 for wildfire risk (1 is highest) and 6,598 by building count (1 is largest). Within Florida alone, it ranks 182 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
Crystal River's 90th-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.
Hardening a home in Crystal River
With ember exposure the dominant pattern in Crystal River (78.2% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Crystal River's 90th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Crystal River, see the exposure-zones guide.