Ona, FL
Ona wildfire risk explained
USFS's Wildfire Risk to Communities model puts Ona at the 96th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 189 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Ona at the 97th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Ona's building exposure, zone by zone
89.4% of Ona's 189 buildings sit in USFS's Direct exposure zone, roughly 169 structures close enough to burnable vegetation for flame contact, not just embers — 10.6% fall in the Indirect, ember-only zone and 0% are Minimal.
Ona against the rest of the country
There's little gap between Ona's 96th national percentile and its 95th percentile inside Florida, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Ona ranks 1,230 for wildfire risk (1 is highest) and 25,272 by building count (1 is largest). Within Florida alone, it ranks 48 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Ona
At the 96th percentile nationally, Ona 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.
What would actually reduce this score
Ona's 89.4% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Every one of the two percentiles behind Ona's 1,230-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Ona, see the exposure-zones guide.