Penney Farms, FL
Penney Farms wildfire risk explained
USFS scores Penney Farms at the 89th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 235 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Penney Farms at the 89th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
USFS classifies 71.9% of Penney Farms's buildings as Direct exposure, higher than its 28.1% Indirect share and far above its 0% Minimal share — a profile where 169 structures sit close enough to vegetation that lot clearing matters most.
Where Penney Farms ranks
Penney Farms's risk sits at a similar level relative to Florida (77th percentile statewide) as it does nationally (89th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Penney Farms ranks 3,558 for wildfire risk (1 is highest) and 23,623 by building count (1 is largest). Within Florida alone, it ranks 220 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Penney Farms
Penney Farms's very high rating (89th 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 Penney Farms
Penney Farms's 71.9% 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.
Where Penney Farms's figures come from
Every one of the two percentiles behind Penney Farms's 3,558-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Penney Farms's dominant direct exposure actually means, with real examples from across the dataset.