DeFuniak Springs, FL
DeFuniak Springs wildfire risk explained
DeFuniak Springs sits at the 71st percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 3,082 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, DeFuniak Springs's burn probability — fire likelihood with no building count factored in — sits at the 72nd percentile nationally.
What "at risk" means for the buildings here
Indirect exposure is dominant in DeFuniak Springs (52.2% of 3,082 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 47.8% sit in the Direct zone.
DeFuniak Springs against the rest of the country
Inside Florida, DeFuniak Springs sits at just the 28th percentile even though it scores 71st nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, DeFuniak Springs ranks 9,106 for wildfire risk (1 is highest) and 5,310 by building count (1 is largest). Within Florida alone, it ranks 684 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in DeFuniak Springs
DeFuniak Springs's high rating (71st 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
With ember exposure the dominant pattern in DeFuniak Springs (52.2% 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
The methodology guide shows exactly how USFS turned 3,082 counted buildings into the percentiles shown above for DeFuniak Springs. For more on what indirect exposure implies beyond DeFuniak Springs, see the exposure-zones guide.