Sweetwater, FL
How exposed is Sweetwater to wildfire?
Sweetwater's 3,124 buildings earn a 98th-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.)
Fire likelihood alone (USFS's burn-probability figure) ranks Sweetwater at the 95th national percentile — 3 points below its risk-to-structures score, a gap driven by how much is actually built there.
Sweetwater's building exposure, zone by zone
Most of Sweetwater's buildings (97.7% of 3,124) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
How Sweetwater compares
Sweetwater's risk sits at a similar level relative to Florida (98th percentile statewide) as it does nationally (98th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Sweetwater ranks 783 for wildfire risk (1 is highest) and 5,259 by building count (1 is largest). Within Florida alone, it ranks 25 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
Sweetwater's very high rating (98th 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
Sweetwater's 97.7% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Sweetwater's 98th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Sweetwater, see the exposure-zones guide.