Loxahatchee Groves, FL
Loxahatchee Groves wildfire risk explained
Out of every US place USFS scores, Loxahatchee Groves lands at the 83rd percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 2,877 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Loxahatchee Groves at the 81st national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Loxahatchee Groves's buildings actually sit
Of Loxahatchee Groves's 2,877 counted buildings, 87.7% carry Direct exposure and only 8.3% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Loxahatchee Groves ranks
Inside Florida, Loxahatchee Groves sits at just the 57th percentile even though it scores 83rd nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Loxahatchee Groves ranks 5,415 for wildfire risk (1 is highest) and 5,618 by building count (1 is largest). Within Florida alone, it ranks 411 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Loxahatchee Groves and the insurance market
Loxahatchee Groves's 83rd-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.
Lowering exposure, not just insuring around it
Loxahatchee Groves's 87.7% 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 Loxahatchee Groves's figures come from
The methodology guide shows exactly how USFS turned 2,877 counted buildings into the percentiles shown above for Loxahatchee Groves. The exposure-zones guide covers what Loxahatchee Groves's dominant direct exposure actually means, with real examples from across the dataset.