Raiford, FL
Raiford, FL's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Raiford at the 85th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 146 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Raiford at the 87th percentile, close to its 85th-percentile risk score.
Where Raiford's buildings actually sit
USFS classifies 97.3% of Raiford's buildings as Direct exposure, higher than its 2.7% Indirect share and far above its 0% Minimal share — a profile where 142 structures sit close enough to vegetation that lot clearing matters most.
Where Raiford ranks
Raiford ranks lower within Florida (64th percentile statewide) than its 85th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Raiford ranks 4,724 for wildfire risk (1 is highest) and 27,013 by building count (1 is largest). Within Florida alone, it ranks 344 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Raiford and the insurance market
Raiford's 85th-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.
What would actually reduce this score
Because Direct exposure dominates in Raiford (97.3%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Raiford's figures come from
Raiford's 85th-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 Raiford's dominant direct exposure actually means, with real examples from across the dataset.