Fort Meade, FL
Fort Meade, FL's wildfire risk, in USFS's own numbers
USFS scores Fort Meade at the 97th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 2,769 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Fort Meade's burn probability — fire likelihood with no building count factored in — sits at the 98th percentile nationally.
Where Fort Meade's buildings actually sit
USFS puts 61.3% of Fort Meade's 2,769 buildings in the Indirect exposure zone, versus 38.7% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Fort Meade ranks
Fort Meade's risk sits at a similar level relative to Florida (97th percentile statewide) as it does nationally (97th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Fort Meade ranks 811 for wildfire risk (1 is highest) and 5,823 by building count (1 is largest). Within Florida alone, it ranks 27 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Fort Meade and the insurance market
Fort Meade's very high rating (97th 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.
Lowering exposure, not just insuring around it
Fort Meade's 61.3% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Fort Meade's 811-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Fort Meade, see the exposure-zones guide.