St. James City, FL
St. James City, FL's wildfire risk, in USFS's own numbers
USFS scores St. James City at the 91st national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 4,116 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, St. James City's burn probability — fire likelihood with no building count factored in — sits at the 91st percentile nationally.
St. James City's building exposure, zone by zone
Indirect exposure is dominant in St. James City (68.9% of 4,116 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 20% sit in the Direct zone.
How St. James City compares
St. James City scores 91st nationally and 83rd within Florida — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, St. James City ranks 2,926 for wildfire risk (1 is highest) and 4,131 by building count (1 is largest). Within Florida alone, it ranks 166 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in St. James City
St. James City's 91st-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
What would actually reduce this score
Because 68.9% of St. James City'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.
Where St. James City's figures come from
Every one of the two percentiles behind St. James City's 2,926-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what St. James City's dominant indirect exposure actually means, with real examples from across the dataset.