McGregor, FL
McGregor wildfire risk explained
USFS's Wildfire Risk to Communities model puts McGregor at the 64th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 3,054 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, McGregor's burn probability — fire likelihood with no building count factored in — sits at the 68th percentile nationally.
What "at risk" means for the buildings here
USFS classifies 93.1% of McGregor's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 6.9% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
McGregor against the rest of the country
McGregor ranks lower within Florida (19th percentile statewide) than its 64th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, McGregor ranks 11,242 for wildfire risk (1 is highest) and 5,350 by building count (1 is largest). Within Florida alone, it ranks 775 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
At the 64th percentile nationally, McGregor carries the 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.
Lowering exposure, not just insuring around it
Even with 93.1% of McGregor outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
McGregor's 64th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond McGregor, see the exposure-zones guide.