Florida, NY
How exposed is Florida to wildfire?
USFS's Wildfire Risk to Communities model puts Florida at the 49th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 1,269 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Florida at the 51st percentile, close to its 49th-percentile risk score.
Where Florida's buildings actually sit
Direct exposure dominates in Florida: 59.8% of its 1,269 buildings, versus 40.2% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Florida compares
Compare Florida's two percentiles: 93rd within New York, only 49th nationally — a gap of 44 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Florida ranks 16,077 for wildfire risk (1 is highest) and 10,250 by building count (1 is largest). Within New York alone, it ranks 90 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Shopping for coverage in Florida
Florida's elevated wildfire rating (49th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Hardening a home in Florida
Florida's 59.8% 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.
More on how this number was built
Every one of the two percentiles behind Florida's 16,077-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Florida, see the exposure-zones guide.