Elfers, FL
How exposed is Elfers to wildfire?
Out of every US place USFS scores, Elfers lands at the 73rd percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 7,110 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Elfers at the 72nd national percentile — 1 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 Elfers's buildings (97.4% of 7,110) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure. At 7,110 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Elfers compares
Elfers ranks lower within Florida (33rd percentile statewide) than its 73rd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Elfers ranks 8,502 for wildfire risk (1 is highest) and 2,413 by building count (1 is largest). Within Florida alone, it ranks 644 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Elfers and the insurance market
At the 73rd percentile nationally, Elfers carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Hardening a home in Elfers
With 97.4% of buildings rated Minimal exposure, Elfers gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Elfers's figures come from
Every one of the two percentiles behind Elfers's 8,502-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Elfers's dominant minimal exposure actually means, with real examples from across the dataset.