Indian Creek, FL
How exposed is Indian Creek to wildfire?
USFS's Wildfire Risk to Communities model puts Indian Creek at the 71st national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 85 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Indian Creek at the 76th percentile, close to its 71st-percentile risk score.
Indian Creek's building exposure, zone by zone
USFS classifies 76.5% of Indian Creek's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 23.5% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How Indian Creek compares
Indian Creek ranks lower within Florida (29th percentile statewide) than its 71st national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Indian Creek ranks 9,039 for wildfire risk (1 is highest) and 29,681 by building count (1 is largest). Within Florida alone, it ranks 678 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Indian Creek
Indian Creek's high rating (71st 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
Indian Creek's 76.5% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 85 counted buildings into the percentiles shown above for Indian Creek. For more on what minimal exposure implies beyond Indian Creek, see the exposure-zones guide.