Gun Club Estates, FL
Gun Club Estates wildfire risk explained
Gun Club Estates sits at the 48th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 285 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Gun Club Estates at the 54th percentile, close to its 48th-percentile risk score.
Where Gun Club Estates's buildings actually sit
Gun Club Estates rates 96.5% Minimal exposure against just 3.5% Direct and 0% Indirect — of 285 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Gun Club Estates compares
Inside Florida, Gun Club Estates sits at just the 3rd percentile even though it scores 48th 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, Gun Club Estates ranks 16,316 for wildfire risk (1 is highest) and 22,028 by building count (1 is largest). Within Florida alone, it ranks 925 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Gun Club Estates and the insurance market
Gun Club Estates's elevated rating (48th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
With 96.5% of buildings rated Minimal exposure, Gun Club Estates gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Gun Club Estates's figures come from
Gun Club Estates's 48th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Gun Club Estates's dominant minimal exposure actually means, with real examples from across the dataset.