Ocoee, FL
How exposed is Ocoee to wildfire?
Ocoee sits at the 73rd percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 14,573 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Ocoee's burn probability — fire likelihood with no building count factored in — sits at the 74th percentile nationally.
Ocoee's building exposure, zone by zone
Ocoee rates 68.2% Minimal exposure against just 16.9% Direct and 15% Indirect — of 14,573 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually. At 14,573 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Ocoee compares
Ocoee ranks lower within Florida (32nd percentile statewide) than its 73rd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Ocoee ranks 8,599 for wildfire risk (1 is highest) and 1,027 by building count (1 is largest). Within Florida alone, it ranks 653 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
Ocoee's high rating (73rd percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
With 68.2% of buildings rated Minimal exposure, Ocoee gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Ocoee's figures come from
Every one of the two percentiles behind Ocoee's 8,599-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Ocoee's dominant minimal exposure actually means, with real examples from across the dataset.