Sugarmill Woods, FL
Sugarmill Woods, FL's wildfire risk, in USFS's own numbers
Sugarmill Woods's 6,312 buildings earn a 86th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Sugarmill Woods's burn probability — fire likelihood with no building count factored in — sits at the 85th percentile nationally.
Where Sugarmill Woods's buildings actually sit
USFS classifies 54% of Sugarmill Woods's buildings as Direct exposure, higher than its 37.7% Indirect share and far above its 8.3% Minimal share — a profile where 3,409 structures sit close enough to vegetation that lot clearing matters most. At 6,312 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Sugarmill Woods ranks
Inside Florida, Sugarmill Woods sits at just the 68th percentile even though it scores 86th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Sugarmill Woods ranks 4,467 for wildfire risk (1 is highest) and 2,747 by building count (1 is largest). Within Florida alone, it ranks 311 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
What this risk score means for insurance
Sugarmill Woods's 86th-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
Sugarmill Woods's 54% 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.
Where Sugarmill Woods's figures come from
Sugarmill Woods's 86th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Sugarmill Woods's dominant direct exposure actually means, with real examples from across the dataset.