Samsula-Spruce Creek, FL
How exposed is Samsula-Spruce Creek to wildfire?
Samsula-Spruce Creek sits at the 94th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 3,952 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Samsula-Spruce Creek at the 95th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Samsula-Spruce Creek's building exposure, zone by zone
USFS classifies 69.3% of Samsula-Spruce Creek's buildings as Direct exposure, higher than its 30.7% Indirect share and far above its 0% Minimal share — a profile where 2,739 structures sit close enough to vegetation that lot clearing matters most.
Samsula-Spruce Creek against the rest of the country
Samsula-Spruce Creek's risk sits at a similar level relative to Florida (90th percentile statewide) as it does nationally (94th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Samsula-Spruce Creek ranks 1,825 for wildfire risk (1 is highest) and 4,287 by building count (1 is largest). Within Florida alone, it ranks 94 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
Samsula-Spruce Creek's 94th-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
Samsula-Spruce Creek's 69.3% 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.
Where Samsula-Spruce Creek's figures come from
Every one of the two percentiles behind Samsula-Spruce Creek's 1,825-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Samsula-Spruce Creek's dominant direct exposure actually means, with real examples from across the dataset.