St. Cloud, FL
St. Cloud, FL's wildfire risk, in USFS's own numbers
St. Cloud's 19,754 buildings earn a 91st-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.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts St. Cloud at the 92nd percentile, close to its 91st-percentile risk score.
St. Cloud's building exposure, zone by zone
56.1% of St. Cloud's 19,754 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 28.2% Direct and 15.7% Minimal. Vent screens and roofing material matter more here than lot clearing alone. At 19,754 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where St. Cloud ranks
There's little gap between St. Cloud's 91st national percentile and its 84th percentile inside Florida, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, St. Cloud ranks 2,798 for wildfire risk (1 is highest) and 718 by building count (1 is largest). Within Florida alone, it ranks 155 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in St. Cloud
At the 91st percentile nationally, St. Cloud 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
St. Cloud's 56.1% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind St. Cloud's 2,798-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond St. Cloud, see the exposure-zones guide.