Freeport, FL
Freeport, FL's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Freeport lands at the 82nd percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 2,608 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Freeport's burn probability — fire likelihood with no building count factored in — sits at the 81st percentile nationally.
Freeport's building exposure, zone by zone
2,608 buildings are counted in Freeport, and 64.3% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0.1% rated Minimal.
Freeport against the rest of the country
Freeport ranks lower within Florida (53rd percentile statewide) than its 82nd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Freeport ranks 5,700 for wildfire risk (1 is highest) and 6,083 by building count (1 is largest). Within Florida alone, it ranks 446 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
Freeport's very high rating (82nd 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
Because Direct exposure dominates in Freeport (64.3%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 2,608 counted buildings into the percentiles shown above for Freeport. For more on what direct exposure implies beyond Freeport, see the exposure-zones guide.