Lacoochee, FL
How exposed is Lacoochee to wildfire?
USFS's Wildfire Risk to Communities model puts Lacoochee at the 94th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 682 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 Lacoochee at the 94th percentile, close to its 94th-percentile risk score.
Where Lacoochee's buildings actually sit
682 buildings are counted in Lacoochee, and 71.6% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Lacoochee against the rest of the country
There's little gap between Lacoochee's 94th national percentile and its 88th percentile inside Florida, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Lacoochee ranks 2,040 for wildfire risk (1 is highest) and 14,836 by building count (1 is largest). Within Florida alone, it ranks 114 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Lacoochee and the insurance market
Lacoochee's 94th-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.
What would actually reduce this score
Because Direct exposure dominates in Lacoochee (71.6%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Lacoochee's figures come from
Lacoochee's 94th-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 Lacoochee's dominant direct exposure actually means, with real examples from across the dataset.