Steinhatchee, FL
How exposed is Steinhatchee to wildfire?
Steinhatchee sits at the 92nd percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 2,331 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Steinhatchee's burn probability — fire likelihood with no building count factored in — sits at the 90th percentile nationally.
Steinhatchee's building exposure, zone by zone
2,331 buildings are counted in Steinhatchee, and 56.1% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0.5% rated Minimal.
Steinhatchee against the rest of the country
There's little gap between Steinhatchee's 92nd national percentile and its 85th percentile inside Florida, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Steinhatchee ranks 2,578 for wildfire risk (1 is highest) and 6,644 by building count (1 is largest). Within Florida alone, it ranks 142 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Steinhatchee
At the 92nd percentile nationally, Steinhatchee 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
Because Direct exposure dominates in Steinhatchee (56.1%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 2,331 counted buildings into the percentiles shown above for Steinhatchee. For more on what direct exposure implies beyond Steinhatchee, see the exposure-zones guide.