Meadow Oaks, FL
Meadow Oaks wildfire risk explained
Meadow Oaks sits at the 85th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 1,279 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Meadow Oaks at the 85th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Meadow Oaks's buildings actually sit
Indirect exposure is dominant in Meadow Oaks (72.2% of 1,279 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 27.8% sit in the Direct zone.
How Meadow Oaks compares
Meadow Oaks's 85th national percentile looks worse in isolation than its 64th ranking inside Florida does — this place is on the milder end for its own state, by 21 points. Among the 31,521 US communities USFS scores, Meadow Oaks ranks 4,722 for wildfire risk (1 is highest) and 10,198 by building count (1 is largest). Within Florida alone, it ranks 342 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
Meadow Oaks'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.
Hardening a home in Meadow Oaks
With ember exposure the dominant pattern in Meadow Oaks (72.2% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Every one of the two percentiles behind Meadow Oaks's 4,722-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Meadow Oaks, see the exposure-zones guide.