Ruskin, FL
How exposed is Ruskin to wildfire?
USFS's Wildfire Risk to Communities model puts Ruskin at the 85th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 11,106 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Ruskin at the 86th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
38.7% of Ruskin's 11,106 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 26.4% Direct and 35% Minimal. Vent screens and roofing material matter more here than lot clearing alone. At 11,106 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Ruskin compares
Inside Florida, Ruskin sits at just the 64th percentile even though it scores 85th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Ruskin ranks 4,725 for wildfire risk (1 is highest) and 1,430 by building count (1 is largest). Within Florida alone, it ranks 345 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
Ruskin's very high rating (85th 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.
Lowering exposure, not just insuring around it
Because 38.7% of Ruskin's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Ruskin's figures come from
Ruskin'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 Ruskin's dominant indirect exposure actually means, with real examples from across the dataset.