Melbourne Village, FL
Melbourne Village wildfire risk explained
Melbourne Village's 383 buildings earn a 75th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Melbourne Village's burn probability — fire likelihood with no building count factored in — sits at the 75th percentile nationally.
Melbourne Village's building exposure, zone by zone
USFS classifies 84.6% of Melbourne Village's buildings as Direct exposure, higher than its 0% Indirect share and far above its 15.4% Minimal share — a profile where 324 structures sit close enough to vegetation that lot clearing matters most.
Melbourne Village against the rest of the country
Inside Florida, Melbourne Village sits at just the 36th percentile even though it scores 75th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Melbourne Village ranks 7,910 for wildfire risk (1 is highest) and 19,557 by building count (1 is largest). Within Florida alone, it ranks 608 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
Melbourne Village's high rating (75th 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
Melbourne Village's 84.6% 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 Melbourne Village's figures come from
The methodology guide shows exactly how USFS turned 383 counted buildings into the percentiles shown above for Melbourne Village. The exposure-zones guide covers what Melbourne Village's dominant direct exposure actually means, with real examples from across the dataset.