Malone, FL
Malone wildfire risk explained
Malone sits at the 56th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 560 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Malone at the 58th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Malone's building exposure, zone by zone
69.5% of Malone's 560 buildings sit in USFS's Direct exposure zone, roughly 389 structures close enough to burnable vegetation for flame contact, not just embers — 30.5% fall in the Indirect, ember-only zone and 0% are Minimal.
Malone against the rest of the country
Malone's 56th national percentile looks worse in isolation than its 10th ranking inside Florida does — this place is on the milder end for its own state, by 47 points. Among the 31,521 US communities USFS scores, Malone ranks 13,699 for wildfire risk (1 is highest) and 16,403 by building count (1 is largest). Within Florida alone, it ranks 860 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Malone and the insurance market
Malone's elevated rating (56th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Malone's 69.5% 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
Every one of the two percentiles behind Malone's 13,699-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Malone, see the exposure-zones guide.