Garcon Point, FL
How exposed is Garcon Point to wildfire?
USFS scores Garcon Point at the 95th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 249 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Garcon Point at the 93rd national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Garcon Point's buildings actually sit
Direct exposure dominates in Garcon Point: 71.5% of its 249 buildings, versus 15.3% Indirect and 13.3% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Garcon Point against the rest of the country
There's little gap between Garcon Point's 95th national percentile and its 92nd percentile inside Florida, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Garcon Point ranks 1,667 for wildfire risk (1 is highest) and 23,160 by building count (1 is largest). Within Florida alone, it ranks 77 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Garcon Point and the insurance market
Garcon Point's 95th-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.
Hardening a home in Garcon Point
Garcon Point's 71.5% 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
Garcon Point's 95th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Garcon Point, see the exposure-zones guide.