Fort White, FL
Fort White, FL's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Fort White lands at the 76th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 446 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Fort White's burn probability — fire likelihood with no building count factored in — sits at the 77th percentile nationally.
Fort White's building exposure, zone by zone
Direct exposure dominates in Fort White: 80.3% of its 446 buildings, versus 19.7% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Fort White compares
Fort White's 76th national percentile looks worse in isolation than its 40th ranking inside Florida does — this place is on the milder end for its own state, by 36 points. Among the 31,521 US communities USFS scores, Fort White ranks 7,466 for wildfire risk (1 is highest) and 18,345 by building count (1 is largest). Within Florida alone, it ranks 575 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Fort White
Fort White's 76th-percentile, 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.
Lowering exposure, not just insuring around it
With 80.3% of Fort White in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Fort White's 7,466-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Fort White, see the exposure-zones guide.