Five Points, FL
Five Points wildfire risk explained
Out of every US place USFS scores, Five Points lands at the 74th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 617 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Five Points's burn probability — fire likelihood with no building count factored in — sits at the 74th percentile nationally.
Five Points's building exposure, zone by zone
617 buildings are counted in Five Points, and 63.1% 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.
Where Five Points ranks
Five Points ranks lower within Florida (33rd percentile statewide) than its 74th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Five Points ranks 8,317 for wildfire risk (1 is highest) and 15,601 by building count (1 is largest). Within Florida alone, it ranks 636 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
Five Points's high rating (74th 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.
Hardening a home in Five Points
Five Points's 63.1% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Five Points's figures come from
Every one of the two percentiles behind Five Points's 8,317-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Five Points's dominant direct exposure actually means, with real examples from across the dataset.