Stuart, FL
Stuart, FL's wildfire risk, in USFS's own numbers
Stuart sits at the 75th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 5,146 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Stuart's burn probability — fire likelihood with no building count factored in — sits at the 73rd percentile nationally.
Where Stuart's buildings actually sit
Stuart rates 89.5% Minimal exposure against just 5.9% Direct and 4.6% Indirect — of 5,146 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually. At 5,146 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Stuart ranks
Stuart's 75th national percentile looks worse in isolation than its 36th ranking inside Florida does — this place is on the milder end for its own state, by 39 points. Among the 31,521 US communities USFS scores, Stuart ranks 7,966 for wildfire risk (1 is highest) and 3,351 by building count (1 is largest). Within Florida alone, it ranks 615 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Stuart
Stuart's 75th-percentile, 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.
Lowering exposure, not just insuring around it
With 89.5% of buildings rated Minimal exposure, Stuart gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Stuart's figures come from
The methodology guide shows exactly how USFS turned 5,146 counted buildings into the percentiles shown above for Stuart. The exposure-zones guide covers what Stuart's dominant minimal exposure actually means, with real examples from across the dataset.