North Sarasota, FL
How exposed is North Sarasota to wildfire?
USFS's Wildfire Risk to Communities model puts North Sarasota at the 57th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 902 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 North Sarasota at the 60th percentile, close to its 57th-percentile risk score.
What "at risk" means for the buildings here
Most of North Sarasota's buildings (92.2% of 902) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
How North Sarasota compares
North Sarasota ranks lower within Florida (10th percentile statewide) than its 57th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, North Sarasota ranks 13,540 for wildfire risk (1 is highest) and 12,702 by building count (1 is largest). Within Florida alone, it ranks 856 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
North Sarasota's elevated wildfire rating (57th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Hardening a home in North Sarasota
North Sarasota's 92.2% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 902 counted buildings into the percentiles shown above for North Sarasota. For more on what minimal exposure implies beyond North Sarasota, see the exposure-zones guide.