Fellsmere, FL
How exposed is Fellsmere to wildfire?
Fellsmere sits at the 94th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 1,546 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Fellsmere at the 95th percentile, close to its 94th-percentile risk score.
Fellsmere's building exposure, zone by zone
1,546 buildings are counted in Fellsmere, and 53.5% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Fellsmere against the rest of the country
There's little gap between Fellsmere's 94th national percentile and its 91st percentile inside Florida, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Fellsmere ranks 1,822 for wildfire risk (1 is highest) and 8,965 by building count (1 is largest). Within Florida alone, it ranks 91 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
Fellsmere's 94th-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.
What would actually reduce this score
With 53.5% of Fellsmere in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,546 counted buildings into the percentiles shown above for Fellsmere. For more on what direct exposure implies beyond Fellsmere, see the exposure-zones guide.