Masaryktown, FL
How exposed is Masaryktown to wildfire?
Out of every US place USFS scores, Masaryktown lands at the 85th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 536 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Masaryktown at the 88th percentile, close to its 85th-percentile risk score.
Masaryktown's building exposure, zone by zone
Direct exposure dominates in Masaryktown: 85.3% of its 536 buildings, versus 14.7% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Masaryktown against the rest of the country
Masaryktown ranks lower within Florida (65th percentile statewide) than its 85th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Masaryktown ranks 4,697 for wildfire risk (1 is highest) and 16,774 by building count (1 is largest). Within Florida alone, it ranks 339 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
What this risk score means for insurance
Masaryktown's very high rating (85th 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 85.3% of Masaryktown in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 536 counted buildings into the percentiles shown above for Masaryktown. For more on what direct exposure implies beyond Masaryktown, see the exposure-zones guide.