Osprey, FL
Osprey, FL's wildfire risk, in USFS's own numbers
Osprey's 3,561 buildings earn a 83rd-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Osprey at the 81st percentile, close to its 83rd-percentile risk score.
Where Osprey's buildings actually sit
USFS puts 64.8% of Osprey's 3,561 buildings in the Indirect exposure zone, versus 11.5% Direct and 23.7% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Osprey against the rest of the country
Osprey ranks lower within Florida (56th percentile statewide) than its 83rd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Osprey ranks 5,478 for wildfire risk (1 is highest) and 4,703 by building count (1 is largest). Within Florida alone, it ranks 422 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
Osprey's very high rating (83rd 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 Osprey
Osprey's 64.8% 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.
More on how this number was built
Osprey's 83rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Osprey, see the exposure-zones guide.