Limestone, FL
Limestone wildfire risk explained
Limestone's 150 buildings earn a 96th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Limestone's burn probability — fire likelihood with no building count factored in — sits at the 97th percentile nationally.
Where Limestone's buildings actually sit
USFS classifies 100% of Limestone's buildings as Direct exposure, higher than its 0% Indirect share and far above its 0% Minimal share — a profile where 150 structures sit close enough to vegetation that lot clearing matters most.
Limestone against the rest of the country
There's little gap between Limestone's 96th national percentile and its 94th percentile inside Florida, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Limestone ranks 1,411 for wildfire risk (1 is highest) and 26,869 by building count (1 is largest). Within Florida alone, it ranks 59 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
At the 96th percentile nationally, Limestone carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
What would actually reduce this score
Limestone's 100% 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.
Where Limestone's figures come from
Every one of the two percentiles behind Limestone's 1,411-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Limestone's dominant direct exposure actually means, with real examples from across the dataset.