Scottsmoor, FL
Scottsmoor, FL's wildfire risk, in USFS's own numbers
USFS scores Scottsmoor at the 97th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 466 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Scottsmoor's burn probability — fire likelihood with no building count factored in — sits at the 97th percentile nationally.
Where Scottsmoor's buildings actually sit
466 buildings are counted in Scottsmoor, and 80.9% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Scottsmoor against the rest of the country
There's little gap between Scottsmoor's 97th national percentile and its 97th percentile inside Florida, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Scottsmoor ranks 944 for wildfire risk (1 is highest) and 17,953 by building count (1 is largest). Within Florida alone, it ranks 33 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
At the 97th percentile nationally, Scottsmoor carries the very 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
Scottsmoor's 80.9% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 466 counted buildings into the percentiles shown above for Scottsmoor. For more on what direct exposure implies beyond Scottsmoor, see the exposure-zones guide.