Montverde, FL
How exposed is Montverde to wildfire?
USFS scores Montverde at the 80th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 870 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 Montverde at the 81st percentile, close to its 80th-percentile risk score.
Where Montverde's buildings actually sit
Of Montverde's 870 counted buildings, 66.7% carry Direct exposure and only 0.8% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Montverde against the rest of the country
Montverde ranks lower within Florida (47th percentile statewide) than its 80th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Montverde ranks 6,423 for wildfire risk (1 is highest) and 12,986 by building count (1 is largest). Within Florida alone, it ranks 507 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
Montverde's high rating (80th 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.
What would actually reduce this score
Montverde's 66.7% 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 Montverde's figures come from
The methodology guide shows exactly how USFS turned 870 counted buildings into the percentiles shown above for Montverde. The exposure-zones guide covers what Montverde's dominant direct exposure actually means, with real examples from across the dataset.