Silver Springs, FL
How exposed is Silver Springs to wildfire?
Silver Springs's 1,430 buildings earn a 82nd-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Silver Springs at the 81st national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
1,430 buildings are counted in Silver Springs, and 58.2% of them are Indirect exposure — ember-driven risk rather than the 41.8% in Direct exposure or the 0% rated Minimal.
How Silver Springs compares
Silver Springs's 82nd national percentile looks worse in isolation than its 53rd ranking inside Florida does — this place is on the milder end for its own state, by 29 points. Among the 31,521 US communities USFS scores, Silver Springs ranks 5,794 for wildfire risk (1 is highest) and 9,475 by building count (1 is largest). Within Florida alone, it ranks 455 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 82nd percentile nationally, Silver Springs 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 Silver Springs (58.2% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Silver Springs's figures come from
The methodology guide shows exactly how USFS turned 1,430 counted buildings into the percentiles shown above for Silver Springs. The exposure-zones guide covers what Silver Springs's dominant indirect exposure actually means, with real examples from across the dataset.