San Castle, FL
San Castle, FL's wildfire risk, in USFS's own numbers
USFS scores San Castle at the 63rd national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 1,113 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts San Castle at the 63rd percentile, close to its 63rd-percentile risk score.
Where San Castle's buildings actually sit
Most of San Castle's buildings (99.4% of 1,113) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Where San Castle ranks
Inside Florida, San Castle sits at just the 18th percentile even though it scores 63rd 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, San Castle ranks 11,561 for wildfire risk (1 is highest) and 11,194 by building count (1 is largest). Within Florida alone, it ranks 784 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
San Castle's 63rd-percentile, 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.
Lowering exposure, not just insuring around it
San Castle's 99.4% 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
San Castle's 63rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond San Castle, see the exposure-zones guide.