Rio Pinar, FL
Rio Pinar wildfire risk explained
Rio Pinar's 2,081 buildings earn a 72nd-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Rio Pinar at the 73rd national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Rio Pinar's building exposure, zone by zone
Rio Pinar rates 74.2% Minimal exposure against just 25.9% Direct and 0% Indirect — of 2,081 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Rio Pinar compares
Rio Pinar ranks lower within Florida (31st percentile statewide) than its 72nd 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 Pinar ranks 8,818 for wildfire risk (1 is highest) and 7,250 by building count (1 is largest). Within Florida alone, it ranks 664 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
Rio Pinar's high rating (72nd 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.
Hardening a home in Rio Pinar
Rio Pinar's 74.2% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 2,081 counted buildings into the percentiles shown above for Rio Pinar. For more on what minimal exposure implies beyond Rio Pinar, see the exposure-zones guide.