St. Leo, FL
St. Leo, FL's wildfire risk, in USFS's own numbers
USFS scores St. Leo at the 87th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 159 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, St. Leo's burn probability — fire likelihood with no building count factored in — sits at the 89th percentile nationally.
What "at risk" means for the buildings here
70.4% of St. Leo's 159 buildings sit in USFS's Direct exposure zone, roughly 112 structures close enough to burnable vegetation for flame contact, not just embers — 28.9% fall in the Indirect, ember-only zone and 0.6% are Minimal.
How St. Leo compares
St. Leo ranks lower within Florida (69th percentile statewide) than its 87th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, St. Leo ranks 4,248 for wildfire risk (1 is highest) and 26,473 by building count (1 is largest). Within Florida alone, it ranks 295 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in St. Leo
St. Leo's very high rating (87th 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
St. Leo's 70.4% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
The methodology guide shows exactly how USFS turned 159 counted buildings into the percentiles shown above for St. Leo. For more on what direct exposure implies beyond St. Leo, see the exposure-zones guide.