Mount Carmel, FL
How exposed is Mount Carmel to wildfire?
USFS's Wildfire Risk to Communities model puts Mount Carmel at the 83rd national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 200 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Mount Carmel at the 84th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Mount Carmel's building exposure, zone by zone
200 buildings are counted in Mount Carmel, and 90.5% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Mount Carmel against the rest of the country
Mount Carmel ranks lower within Florida (59th percentile statewide) than its 83rd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Mount Carmel ranks 5,292 for wildfire risk (1 is highest) and 24,832 by building count (1 is largest). Within Florida alone, it ranks 398 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
Mount Carmel's 83rd-percentile, very 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.
What would actually reduce this score
Mount Carmel's 90.5% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 200 counted buildings into the percentiles shown above for Mount Carmel. For more on what direct exposure implies beyond Mount Carmel, see the exposure-zones guide.