Sumatra, FL
Sumatra wildfire risk explained
USFS's Wildfire Risk to Communities model puts Sumatra at the 96th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 162 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Sumatra at the 97th percentile, close to its 96th-percentile risk score.
Where Sumatra's buildings actually sit
Of Sumatra's 162 counted buildings, 93.2% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Sumatra ranks
Sumatra scores 96th nationally and 95th within Florida — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Sumatra ranks 1,254 for wildfire risk (1 is highest) and 26,323 by building count (1 is largest). Within Florida alone, it ranks 50 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Sumatra
Sumatra's very high rating (96th 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
Because Direct exposure dominates in Sumatra (93.2%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Sumatra's figures come from
The methodology guide shows exactly how USFS turned 162 counted buildings into the percentiles shown above for Sumatra. The exposure-zones guide covers what Sumatra's dominant direct exposure actually means, with real examples from across the dataset.