Ocala Estates, FL
Ocala Estates, FL's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Ocala Estates lands at the 83rd percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 677 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Ocala Estates's burn probability — fire likelihood with no building count factored in — sits at the 84th percentile nationally.
What "at risk" means for the buildings here
Most of Ocala Estates's buildings (57.3%) 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.
Where Ocala Estates ranks
Ocala Estates ranks lower within Florida (56th 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, Ocala Estates ranks 5,477 for wildfire risk (1 is highest) and 14,897 by building count (1 is largest). Within Florida alone, it ranks 421 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Ocala Estates and the insurance market
At the 83rd percentile nationally, Ocala Estates carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Hardening a home in Ocala Estates
With ember exposure the dominant pattern in Ocala Estates (57.3% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Every one of the two percentiles behind Ocala Estates's 5,477-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Ocala Estates, see the exposure-zones guide.