Fern Park, FL
Fern Park, FL's wildfire risk, in USFS's own numbers
Fern Park's 2,582 buildings earn a 63rd-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Fern Park at the 65th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Fern Park's buildings actually sit
Most of Fern Park's buildings (87.1% of 2,582) 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.
Where Fern Park ranks
Inside Florida, Fern Park sits at just the 17th percentile even though it scores 63rd 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, Fern Park ranks 11,684 for wildfire risk (1 is highest) and 6,133 by building count (1 is largest). Within Florida alone, it ranks 788 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Fern Park and the insurance market
Fern Park's 63rd-percentile, 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.
Lowering exposure, not just insuring around it
With 87.1% of buildings rated Minimal exposure, Fern Park gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Every one of the two percentiles behind Fern Park's 11,684-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Fern Park, see the exposure-zones guide.