Micco, FL
Micco, FL's wildfire risk, in USFS's own numbers
Micco sits at the 96th 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 7,023 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Micco's burn probability — fire likelihood with no building count factored in — sits at the 97th percentile nationally.
Where Micco's buildings actually sit
Most of Micco's buildings (88.9%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone. At 7,023 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Micco against the rest of the country
Micco's risk sits at a similar level relative to Florida (96th percentile statewide) as it does nationally (96th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Micco ranks 1,129 for wildfire risk (1 is highest) and 2,443 by building count (1 is largest). Within Florida alone, it ranks 39 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Micco and the insurance market
Micco's very high rating (96th 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
With ember exposure the dominant pattern in Micco (88.9% 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
The methodology guide shows exactly how USFS turned 7,023 counted buildings into the percentiles shown above for Micco. For more on what indirect exposure implies beyond Micco, see the exposure-zones guide.