Laurel Hill, FL
Laurel Hill wildfire risk explained
Out of every US place USFS scores, Laurel Hill lands at the 80th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 508 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Laurel Hill's burn probability — fire likelihood with no building count factored in — sits at the 81st percentile nationally.
What "at risk" means for the buildings here
Of Laurel Hill's 508 counted buildings, 95.3% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Laurel Hill compares
Laurel Hill's 80th national percentile looks worse in isolation than its 46th ranking inside Florida does — this place is on the milder end for its own state, by 33 points. Among the 31,521 US communities USFS scores, Laurel Hill ranks 6,457 for wildfire risk (1 is highest) and 17,206 by building count (1 is largest). Within Florida alone, it ranks 511 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Laurel Hill and the insurance market
Laurel Hill's high rating (80th 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.
What would actually reduce this score
Laurel Hill's 95.3% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Laurel Hill's 80th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Laurel Hill, see the exposure-zones guide.