Florida, OH
Florida wildfire risk explained
Florida sits at the 1st percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 166 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 Florida at the 1st percentile, close to its 1st-percentile risk score.
What "at risk" means for the buildings here
Only 6% of Florida's 166 buildings carry Direct exposure and 0% carry Indirect; the remaining 94% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How Florida compares
Florida scores 1st nationally and 5th within Ohio — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Florida ranks 31,215 for wildfire risk (1 is highest) and 26,185 by building count (1 is largest). Within Ohio alone, it ranks 1,194 of 1,264 places by risk. See the full county-by-county picture for Ohio on its state page.
Shopping for coverage in Florida
Florida's low rating (1st percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Florida
Florida's 94% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Florida's figures come from
The methodology guide shows exactly how USFS turned 166 counted buildings into the percentiles shown above for Florida. The exposure-zones guide covers what Florida's dominant minimal exposure actually means, with real examples from across the dataset.