Otter Creek, FL
Otter Creek, FL's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Otter Creek at the 90th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 93 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Otter Creek's burn probability — fire likelihood with no building count factored in — sits at the 91st percentile nationally.
What "at risk" means for the buildings here
Direct exposure dominates in Otter Creek: 100% of its 93 buildings, versus 0% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Otter Creek compares
Otter Creek's risk sits at a similar level relative to Florida (82nd percentile statewide) as it does nationally (90th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Otter Creek ranks 3,023 for wildfire risk (1 is highest) and 29,345 by building count (1 is largest). Within Florida alone, it ranks 172 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Otter Creek and the insurance market
Otter Creek's very high rating (90th 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 Otter Creek
Because Direct exposure dominates in Otter Creek (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Otter Creek's 3,023-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Otter Creek, see the exposure-zones guide.