Fidelis, FL
How exposed is Fidelis to wildfire?
Fidelis sits at the 85th 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 125 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 Fidelis at the 85th percentile, close to its 85th-percentile risk score.
Fidelis's building exposure, zone by zone
Direct exposure dominates in Fidelis: 96% of its 125 buildings, versus 4% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Fidelis ranks
Fidelis ranks lower within Florida (63rd percentile statewide) than its 85th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Fidelis ranks 4,752 for wildfire risk (1 is highest) and 27,930 by building count (1 is largest). Within Florida alone, it ranks 348 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
At the 85th percentile nationally, Fidelis carries the very 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.
What would actually reduce this score
With 96% of Fidelis 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.
Where Fidelis's figures come from
Fidelis's 85th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Fidelis's dominant direct exposure actually means, with real examples from across the dataset.