Live Oak, FL
How exposed is Live Oak to wildfire?
USFS's Wildfire Risk to Communities model puts Live Oak at the 75th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 3,217 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Live Oak's burn probability — fire likelihood with no building count factored in — sits at the 75th percentile nationally.
Where Live Oak's buildings actually sit
58.9% of Live Oak's 3,217 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 41.1% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Where Live Oak ranks
Live Oak ranks lower within Florida (36th percentile statewide) than its 75th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Live Oak ranks 7,963 for wildfire risk (1 is highest) and 5,147 by building count (1 is largest). Within Florida alone, it ranks 612 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Live Oak
Live Oak's high rating (75th 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 ember exposure the dominant pattern in Live Oak (58.9% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Live Oak's figures come from
The methodology guide shows exactly how USFS turned 3,217 counted buildings into the percentiles shown above for Live Oak. The exposure-zones guide covers what Live Oak's dominant indirect exposure actually means, with real examples from across the dataset.