Pine Castle, FL
Pine Castle, FL's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Pine Castle at the 61st national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 3,136 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Pine Castle's burn probability — fire likelihood with no building count factored in — sits at the 63rd percentile nationally.
Where Pine Castle's buildings actually sit
78.2% of Pine Castle's 3,136 buildings sit in USFS's Minimal exposure zone, with only 21.8% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Pine Castle against the rest of the country
Pine Castle's 61st national percentile looks worse in isolation than its 15th ranking inside Florida does — this place is on the milder end for its own state, by 45 points. Among the 31,521 US communities USFS scores, Pine Castle ranks 12,442 for wildfire risk (1 is highest) and 5,246 by building count (1 is largest). Within Florida alone, it ranks 810 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
At the 61st percentile nationally, Pine Castle carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
Pine Castle's 78.2% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Pine Castle's figures come from
Pine Castle's 61st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Pine Castle's dominant minimal exposure actually means, with real examples from across the dataset.