Silver Springs Shores, FL
Silver Springs Shores, FL's wildfire risk, in USFS's own numbers
USFS scores Silver Springs Shores at the 84th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 9,080 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Silver Springs Shores's burn probability — fire likelihood with no building count factored in — sits at the 84th percentile nationally.
Where Silver Springs Shores's buildings actually sit
USFS puts 53.3% of Silver Springs Shores's 9,080 buildings in the Indirect exposure zone, versus 46.1% Direct and 0.5% Minimal — a place where the fire doesn't need to reach the structure directly for embers to. At 9,080 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Silver Springs Shores compares
Silver Springs Shores's 84th national percentile looks worse in isolation than its 60th ranking inside Florida does — this place is on the milder end for its own state, by 24 points. Among the 31,521 US communities USFS scores, Silver Springs Shores ranks 5,073 for wildfire risk (1 is highest) and 1,826 by building count (1 is largest). Within Florida alone, it ranks 381 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Silver Springs Shores and the insurance market
At the 84th percentile nationally, Silver Springs Shores 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
Because 53.3% of Silver Springs Shores's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 9,080 counted buildings into the percentiles shown above for Silver Springs Shores. For more on what indirect exposure implies beyond Silver Springs Shores, see the exposure-zones guide.