Oakleaf Plantation, FL
How exposed is Oakleaf Plantation to wildfire?
Out of every US place USFS scores, Oakleaf Plantation lands at the 71st percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 8,509 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Oakleaf Plantation at the 71st percentile, close to its 71st-percentile risk score.
What "at risk" means for the buildings here
Most of Oakleaf Plantation's buildings (78.5%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone. At 8,509 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Oakleaf Plantation against the rest of the country
Oakleaf Plantation ranks lower within Florida (29th percentile statewide) than its 71st national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Oakleaf Plantation ranks 9,040 for wildfire risk (1 is highest) and 1,954 by building count (1 is largest). Within Florida alone, it ranks 679 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
Oakleaf Plantation's 71st-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.
What would actually reduce this score
Oakleaf Plantation's 78.5% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Oakleaf Plantation's figures come from
Oakleaf Plantation's 71st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Oakleaf Plantation's dominant indirect exposure actually means, with real examples from across the dataset.