Medulla, FL
Medulla wildfire risk explained
USFS scores Medulla at the 82nd national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 3,602 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Medulla at the 83rd percentile, close to its 82nd-percentile risk score.
What "at risk" means for the buildings here
USFS classifies 66.1% of Medulla's buildings as Direct exposure, higher than its 0.9% Indirect share and far above its 33.1% Minimal share — a profile where 2,379 structures sit close enough to vegetation that lot clearing matters most.
How Medulla compares
Medulla's 82nd national percentile looks worse in isolation than its 54th ranking inside Florida does — this place is on the milder end for its own state, by 28 points. Among the 31,521 US communities USFS scores, Medulla ranks 5,669 for wildfire risk (1 is highest) and 4,647 by building count (1 is largest). Within Florida alone, it ranks 444 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Medulla and the insurance market
Medulla's very high rating (82nd 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
Because Direct exposure dominates in Medulla (66.1%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Medulla's 82nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Medulla, see the exposure-zones guide.