Fruit Cove, FL
Fruit Cove, FL's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Fruit Cove at the 73rd national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 11,328 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Fruit Cove at the 72nd national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Fruit Cove's buildings actually sit
Direct exposure dominates in Fruit Cove: 42.6% of its 11,328 buildings, versus 37.8% Indirect and 19.5% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap. At 11,328 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Fruit Cove compares
Inside Florida, Fruit Cove sits at just the 32nd percentile even though it scores 73rd 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, Fruit Cove ranks 8,598 for wildfire risk (1 is highest) and 1,395 by building count (1 is largest). Within Florida alone, it ranks 652 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Fruit Cove and the insurance market
At the 73rd percentile nationally, Fruit Cove carries the 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.
What would actually reduce this score
Because Direct exposure dominates in Fruit Cove (42.6%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Fruit Cove's figures come from
Every one of the two percentiles behind Fruit Cove's 8,598-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Fruit Cove's dominant direct exposure actually means, with real examples from across the dataset.