Sebring, FL
Sebring wildfire risk explained
Sebring sits at the 87th 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 5,234 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Sebring at the 89th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Sebring's building exposure, zone by zone
Indirect exposure is dominant in Sebring (53.7% of 5,234 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 18.9% sit in the Direct zone. At 5,234 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Sebring ranks
There's little gap between Sebring's 87th national percentile and its 73rd percentile inside Florida, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Sebring ranks 3,965 for wildfire risk (1 is highest) and 3,294 by building count (1 is largest). Within Florida alone, it ranks 259 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Sebring and the insurance market
At the 87th percentile nationally, Sebring 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.
What would actually reduce this score
With ember exposure the dominant pattern in Sebring (53.7% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Sebring's figures come from
The methodology guide shows exactly how USFS turned 5,234 counted buildings into the percentiles shown above for Sebring. The exposure-zones guide covers what Sebring's dominant indirect exposure actually means, with real examples from across the dataset.