The Hammocks, FL
The Hammocks, FL's wildfire risk, in USFS's own numbers
The Hammocks 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 11,174 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, The Hammocks's burn probability — fire likelihood with no building count factored in — sits at the 92nd percentile nationally.
Where The Hammocks's buildings actually sit
The Hammocks rates 50.5% Minimal exposure against just 3.8% Direct and 45.7% Indirect — of 11,174 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually. At 11,174 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where The Hammocks ranks
The Hammocks scores 92nd nationally and 85th 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, The Hammocks ranks 2,520 for wildfire risk (1 is highest) and 1,415 by building count (1 is largest). Within Florida alone, it ranks 140 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
The Hammocks and the insurance market
The Hammocks's 92nd-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.
Lowering exposure, not just insuring around it
The Hammocks's 50.5% 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.
Where The Hammocks's figures come from
Every one of the two percentiles behind The Hammocks's 2,520-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what The Hammocks's dominant minimal exposure actually means, with real examples from across the dataset.