Pine Level, FL
Pine Level wildfire risk explained
Pine Level sits at the 79th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 223 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Pine Level at the 80th percentile, close to its 79th-percentile risk score.
What "at risk" means for the buildings here
Of Pine Level's 223 counted buildings, 69.1% carry Direct exposure and only 3.1% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Pine Level compares
Pine Level's 79th national percentile looks worse in isolation than its 45th ranking inside Florida does — this place is on the milder end for its own state, by 34 points. Among the 31,521 US communities USFS scores, Pine Level ranks 6,676 for wildfire risk (1 is highest) and 24,005 by building count (1 is largest). Within Florida alone, it ranks 527 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 Level's 79th-percentile, 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 Pine Level
Pine Level's 69.1% 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 Pine Level's figures come from
Every one of the two percentiles behind Pine Level's 6,676-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Pine Level's dominant direct exposure actually means, with real examples from across the dataset.