Rainbow Springs, FL
How exposed is Rainbow Springs to wildfire?
USFS scores Rainbow Springs at the 82nd national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 3,041 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Rainbow Springs's burn probability — fire likelihood with no building count factored in — sits at the 83rd percentile nationally.
Where Rainbow Springs's buildings actually sit
70.4% of Rainbow Springs's 3,041 buildings sit in USFS's Direct exposure zone, roughly 2,141 structures close enough to burnable vegetation for flame contact, not just embers — 29.6% fall in the Indirect, ember-only zone and 0% are Minimal.
Rainbow Springs against the rest of the country
Rainbow Springs ranks lower within Florida (55th percentile statewide) than its 82nd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Rainbow Springs ranks 5,607 for wildfire risk (1 is highest) and 5,370 by building count (1 is largest). Within Florida alone, it ranks 436 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Rainbow Springs and the insurance market
Rainbow Springs's very high rating (82nd 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.
What would actually reduce this score
Rainbow Springs's 70.4% 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.
More on how this number was built
Rainbow Springs's 82nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Rainbow Springs, see the exposure-zones guide.