On Top of the World, FL
How exposed is On Top of the World to wildfire?
Out of every US place USFS scores, On Top of the World lands at the 75th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 4,274 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 On Top of the World at the 76th percentile, close to its 75th-percentile risk score.
What "at risk" means for the buildings here
4,274 buildings are counted in On Top of the World, and 89.6% of them are Indirect exposure — ember-driven risk rather than the 10.4% in Direct exposure or the 0% rated Minimal.
On Top of the World against the rest of the country
Inside Florida, On Top of the World sits at just the 36th percentile even though it scores 75th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, On Top of the World ranks 7,965 for wildfire risk (1 is highest) and 3,997 by building count (1 is largest). Within Florida alone, it ranks 614 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
On Top of the World and the insurance market
On Top of the World's high rating (75th 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.
Hardening a home in On Top of the World
On Top of the World's 89.6% 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 On Top of the World's figures come from
The methodology guide shows exactly how USFS turned 4,274 counted buildings into the percentiles shown above for On Top of the World. The exposure-zones guide covers what On Top of the World's dominant indirect exposure actually means, with real examples from across the dataset.