Fleming Island, FL
Fleming Island wildfire risk explained
Fleming Island sits at the 73rd percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 10,314 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Fleming Island's burn probability — fire likelihood with no building count factored in — sits at the 71st percentile nationally.
Fleming Island's building exposure, zone by zone
Direct exposure dominates in Fleming Island: 35.5% of its 10,314 buildings, versus 29.9% Indirect and 34.7% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap. At 10,314 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Fleming Island against the rest of the country
Inside Florida, Fleming Island sits at just the 31st percentile even though it scores 73rd 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, Fleming Island ranks 8,627 for wildfire risk (1 is highest) and 1,549 by building count (1 is largest). Within Florida alone, it ranks 655 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
Fleming Island's high rating (73rd 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 Fleming Island
Because Direct exposure dominates in Fleming Island (35.5%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Fleming Island's figures come from
The methodology guide shows exactly how USFS turned 10,314 counted buildings into the percentiles shown above for Fleming Island. The exposure-zones guide covers what Fleming Island's dominant direct exposure actually means, with real examples from across the dataset.