Rio, FL
Rio wildfire risk explained
Out of every US place USFS scores, Rio lands at the 61st percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 512 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Rio at the 60th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Rio's buildings actually sit
94.5% of Rio's 512 buildings sit in USFS's Minimal exposure zone, with only 5.5% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Rio ranks
Rio ranks lower within Florida (16th percentile statewide) than its 61st national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Rio ranks 12,378 for wildfire risk (1 is highest) and 17,145 by building count (1 is largest). Within Florida alone, it ranks 807 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Rio
At the 61st percentile nationally, Rio 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
Rio's 94.5% 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 Rio's figures come from
Rio'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 Rio's dominant minimal exposure actually means, with real examples from across the dataset.