Jacksonville, FL
Jacksonville, FL's wildfire risk, in USFS's own numbers
USFS scores Jacksonville at the 86th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 340,547 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Jacksonville at the 83rd percentile, close to its 86th-percentile risk score.
Where Jacksonville's buildings actually sit
Only 32.6% of Jacksonville's 340,547 buildings carry Direct exposure and 19.3% carry Indirect; the remaining 48% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 340,547 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Jacksonville ranks
Jacksonville's 86th national percentile looks worse in isolation than its 67th ranking inside Florida does — this place is on the milder end for its own state, by 18 points. Among the 31,521 US communities USFS scores, Jacksonville ranks 4,505 for wildfire risk (1 is highest) and 8 by building count (1 is largest). Within Florida alone, it ranks 314 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
Jacksonville's very high rating (86th 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
With 48% of buildings rated Minimal exposure, Jacksonville gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Jacksonville's figures come from
Jacksonville's 86th-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 Jacksonville's dominant minimal exposure actually means, with real examples from across the dataset.