Florida Ridge, FL
Florida Ridge, FL's wildfire risk, in USFS's own numbers
USFS scores Florida Ridge at the 82nd national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 8,481 real buildings rather than raw vegetation cover. (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 Ridge at the 83rd percentile, close to its 82nd-percentile risk score.
Where Florida Ridge's buildings actually sit
Only 26% of Florida Ridge's 8,481 buildings carry Direct exposure and 0% carry Indirect; the remaining 74% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 8,481 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Florida Ridge ranks
Inside Florida, Florida Ridge sits at just the 54th percentile even though it scores 82nd 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, Florida Ridge ranks 5,637 for wildfire risk (1 is highest) and 1,961 by building count (1 is largest). Within Florida alone, it ranks 439 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 82nd percentile nationally, Florida Ridge 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.
Hardening a home in Florida Ridge
Even with 74% of Florida Ridge outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Florida Ridge's figures come from
The methodology guide shows exactly how USFS turned 8,481 counted buildings into the percentiles shown above for Florida Ridge. The exposure-zones guide covers what Florida Ridge's dominant minimal exposure actually means, with real examples from across the dataset.