Jay, FL
Jay, FL's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Jay lands at the 70th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 499 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Jay at the 72nd percentile, close to its 70th-percentile risk score.
What "at risk" means for the buildings here
499 buildings are counted in Jay, and 64.5% of them are Indirect exposure — ember-driven risk rather than the 35.5% in Direct exposure or the 0% rated Minimal.
Jay against the rest of the country
Jay's 70th national percentile looks worse in isolation than its 27th ranking inside Florida does — this place is on the milder end for its own state, by 44 points. Among the 31,521 US communities USFS scores, Jay ranks 9,415 for wildfire risk (1 is highest) and 17,372 by building count (1 is largest). Within Florida alone, it ranks 701 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
Jay's 70th-percentile, 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 Jay
Because 64.5% of Jay's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
Jay's 70th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Jay, see the exposure-zones guide.