Oviedo, FL
Oviedo wildfire risk explained
USFS scores Oviedo at the 92nd national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 12,617 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Oviedo at the 93rd percentile, close to its 92nd-percentile risk score.
Where Oviedo's buildings actually sit
Indirect exposure is dominant in Oviedo (54.4% of 12,617 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 27.7% sit in the Direct zone. At 12,617 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Oviedo compares
Oviedo scores 92nd nationally and 86th within Florida — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Oviedo ranks 2,416 for wildfire risk (1 is highest) and 1,214 by building count (1 is largest). Within Florida alone, it ranks 137 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
Oviedo's 92nd-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 Oviedo
Because 54.4% of Oviedo's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 12,617 counted buildings into the percentiles shown above for Oviedo. For more on what indirect exposure implies beyond Oviedo, see the exposure-zones guide.