Mascotte, FL
Mascotte wildfire risk explained
USFS's Wildfire Risk to Communities model puts Mascotte at the 93rd national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 2,350 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Mascotte's burn probability — fire likelihood with no building count factored in — sits at the 94th percentile nationally.
Mascotte's building exposure, zone by zone
Direct exposure dominates in Mascotte: 52% of its 2,350 buildings, versus 48% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Mascotte against the rest of the country
Mascotte scores 93rd nationally and 87th within Florida — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Mascotte ranks 2,290 for wildfire risk (1 is highest) and 6,608 by building count (1 is largest). Within Florida alone, it ranks 127 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Mascotte and the insurance market
Mascotte's very high rating (93rd 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
Mascotte's 52% 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 Mascotte's figures come from
The methodology guide shows exactly how USFS turned 2,350 counted buildings into the percentiles shown above for Mascotte. The exposure-zones guide covers what Mascotte's dominant direct exposure actually means, with real examples from across the dataset.