Fort Denaud, FL
How exposed is Fort Denaud to wildfire?
USFS's Wildfire Risk to Communities model puts Fort Denaud at the 90th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 1,606 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Fort Denaud at the 92nd national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Fort Denaud's building exposure, zone by zone
Direct exposure dominates in Fort Denaud: 88% of its 1,606 buildings, versus 12% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Fort Denaud against the rest of the country
There's little gap between Fort Denaud's 90th national percentile and its 82nd percentile inside Florida, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Fort Denaud ranks 3,021 for wildfire risk (1 is highest) and 8,745 by building count (1 is largest). Within Florida alone, it ranks 170 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Fort Denaud and the insurance market
Fort Denaud's 90th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
What would actually reduce this score
Fort Denaud's 88% 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
The methodology guide shows exactly how USFS turned 1,606 counted buildings into the percentiles shown above for Fort Denaud. For more on what direct exposure implies beyond Fort Denaud, see the exposure-zones guide.