Ojus, FL
Ojus wildfire risk explained
Ojus sits at the 69th 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 3,461 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Ojus at the 71st percentile, close to its 69th-percentile risk score.
Where Ojus's buildings actually sit
USFS classifies 96.7% of Ojus's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 3.4% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Ojus against the rest of the country
Ojus ranks lower within Florida (25th percentile statewide) than its 69th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Ojus ranks 9,734 for wildfire risk (1 is highest) and 4,827 by building count (1 is largest). Within Florida alone, it ranks 714 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Ojus and the insurance market
At the 69th percentile nationally, Ojus carries the 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.
What would actually reduce this score
Ojus's 96.7% 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.
Where Ojus's figures come from
Ojus's 69th-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 Ojus's dominant minimal exposure actually means, with real examples from across the dataset.