Loughman, FL
Loughman, FL's wildfire risk, in USFS's own numbers
Loughman's 1,636 buildings earn a 87th-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, Loughman's burn probability — fire likelihood with no building count factored in — sits at the 89th percentile nationally.
Where Loughman's buildings actually sit
Indirect exposure is dominant in Loughman (62.9% of 1,636 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 34.2% sit in the Direct zone.
Loughman against the rest of the country
There's little gap between Loughman's 87th national percentile and its 73rd percentile inside Florida, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Loughman ranks 4,029 for wildfire risk (1 is highest) and 8,629 by building count (1 is largest). Within Florida alone, it ranks 263 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Loughman and the insurance market
Loughman's 87th-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.
Hardening a home in Loughman
With ember exposure the dominant pattern in Loughman (62.9% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,636 counted buildings into the percentiles shown above for Loughman. For more on what indirect exposure implies beyond Loughman, see the exposure-zones guide.