South Daytona, FL
South Daytona wildfire risk explained
USFS scores South Daytona at the 64th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 5,716 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 South Daytona at the 65th percentile, close to its 64th-percentile risk score.
Where South Daytona's buildings actually sit
Only 11.7% of South Daytona's 5,716 buildings carry Direct exposure and 0% carry Indirect; the remaining 88.3% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 5,716 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
South Daytona against the rest of the country
South Daytona's 64th national percentile looks worse in isolation than its 19th ranking inside Florida does — this place is on the milder end for its own state, by 45 points. Among the 31,521 US communities USFS scores, South Daytona ranks 11,366 for wildfire risk (1 is highest) and 3,026 by building count (1 is largest). Within Florida alone, it ranks 779 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
South Daytona's high rating (64th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
With 88.3% of buildings rated Minimal exposure, South Daytona gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Every one of the two percentiles behind South Daytona's 11,366-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond South Daytona, see the exposure-zones guide.