Okahumpka, FL
Okahumpka, FL's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Okahumpka at the 82nd national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 137 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Okahumpka'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
Direct exposure dominates in Okahumpka: 66.4% of its 137 buildings, versus 33.6% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Okahumpka ranks
Okahumpka's 82nd national percentile looks worse in isolation than its 54th ranking inside Florida does — this place is on the milder end for its own state, by 28 points. Among the 31,521 US communities USFS scores, Okahumpka ranks 5,606 for wildfire risk (1 is highest) and 27,392 by building count (1 is largest). Within Florida alone, it ranks 435 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
Okahumpka's 82nd-percentile, very 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.
Hardening a home in Okahumpka
With 66.4% of Okahumpka in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Okahumpka's figures come from
The methodology guide shows exactly how USFS turned 137 counted buildings into the percentiles shown above for Okahumpka. The exposure-zones guide covers what Okahumpka's dominant direct exposure actually means, with real examples from across the dataset.