Monticello, FL
How exposed is Monticello to wildfire?
USFS's Wildfire Risk to Communities model puts Monticello at the 70th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 1,437 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Monticello at the 70th percentile, close to its 70th-percentile risk score.
Monticello's building exposure, zone by zone
Direct exposure dominates in Monticello: 64.2% of its 1,437 buildings, versus 35.8% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Monticello compares
Monticello ranks lower within Florida (26th percentile statewide) than its 70th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Monticello ranks 9,513 for wildfire risk (1 is highest) and 9,445 by building count (1 is largest). Within Florida alone, it ranks 706 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Monticello
Monticello's 70th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Hardening a home in Monticello
With 64.2% of Monticello in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,437 counted buildings into the percentiles shown above for Monticello. For more on what direct exposure implies beyond Monticello, see the exposure-zones guide.