Munson, FL
How exposed is Munson to wildfire?
USFS scores Munson at the 85th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 354 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Munson's burn probability — fire likelihood with no building count factored in — sits at the 86th percentile nationally.
Munson's building exposure, zone by zone
Direct exposure dominates in Munson: 99.7% of its 354 buildings, versus 0.3% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Munson ranks
Inside Florida, Munson sits at just the 64th percentile even though it scores 85th 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, Munson ranks 4,723 for wildfire risk (1 is highest) and 20,209 by building count (1 is largest). Within Florida alone, it ranks 343 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Munson and the insurance market
Munson's 85th-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.
Hardening a home in Munson
Munson's 99.7% 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 Munson's figures come from
Every one of the two percentiles behind Munson's 4,723-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Munson's dominant direct exposure actually means, with real examples from across the dataset.