St. Marks, FL
St. Marks, FL's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, St. Marks lands at the 94th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 324 buildings, not the land around them. (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. Marks at the 93rd percentile, close to its 94th-percentile risk score.
St. Marks's building exposure, zone by zone
70.1% of St. Marks's 324 buildings sit in USFS's Direct exposure zone, roughly 227 structures close enough to burnable vegetation for flame contact, not just embers — 29.9% fall in the Indirect, ember-only zone and 0% are Minimal.
St. Marks against the rest of the country
There's little gap between St. Marks's 94th national percentile and its 91st 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. Marks ranks 1,824 for wildfire risk (1 is highest) and 20,979 by building count (1 is largest). Within Florida alone, it ranks 93 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
St. Marks and the insurance market
St. Marks's very high rating (94th 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. Marks's 70.1% 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
St. Marks's 94th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond St. Marks, see the exposure-zones guide.