Marion Oaks, FL
Marion Oaks wildfire risk explained
Marion Oaks's 7,018 buildings earn a 84th-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.)
Fire likelihood alone (USFS's burn-probability figure) ranks Marion Oaks at the 84th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Marion Oaks's building exposure, zone by zone
45.5% of Marion Oaks's 7,018 buildings sit in USFS's Direct exposure zone, roughly 3,196 structures close enough to burnable vegetation for flame contact, not just embers — 24.7% fall in the Indirect, ember-only zone and 29.7% are Minimal. At 7,018 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Marion Oaks against the rest of the country
Marion Oaks ranks lower within Florida (61st percentile statewide) than its 84th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Marion Oaks ranks 5,013 for wildfire risk (1 is highest) and 2,451 by building count (1 is largest). Within Florida alone, it ranks 374 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Marion Oaks and the insurance market
At the 84th percentile nationally, Marion Oaks 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
Marion Oaks's 45.5% 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.
Where Marion Oaks's figures come from
Marion Oaks's 84th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Marion Oaks's dominant direct exposure actually means, with real examples from across the dataset.