Pine Air, FL
How exposed is Pine Air to wildfire?
Pine Air sits at the 50th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 641 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Pine Air's burn probability — fire likelihood with no building count factored in — sits at the 55th percentile nationally.
What "at risk" means for the buildings here
Only 9.1% of Pine Air's 641 buildings carry Direct exposure and 0% carry Indirect; the remaining 91% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Pine Air against the rest of the country
Inside Florida, Pine Air sits at just the 4th percentile even though it scores 50th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Pine Air ranks 15,812 for wildfire risk (1 is highest) and 15,304 by building count (1 is largest). Within Florida alone, it ranks 917 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
Pine Air's elevated wildfire rating (50th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
With 91% of buildings rated Minimal exposure, Pine Air gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 641 counted buildings into the percentiles shown above for Pine Air. For more on what minimal exposure implies beyond Pine Air, see the exposure-zones guide.