Three Oaks, FL
Three Oaks wildfire risk explained
USFS's Wildfire Risk to Communities model puts Three Oaks at the 86th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 1,615 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 Three Oaks at the 86th percentile, close to its 86th-percentile risk score.
What "at risk" means for the buildings here
Three Oaks rates 93.3% Minimal exposure against just 6.7% Direct and 0% Indirect — of 1,615 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Three Oaks ranks
Three Oaks's 86th national percentile looks worse in isolation than its 69th ranking inside Florida does — this place is on the milder end for its own state, by 17 points. Among the 31,521 US communities USFS scores, Three Oaks ranks 4,279 for wildfire risk (1 is highest) and 8,711 by building count (1 is largest). Within Florida alone, it ranks 297 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Three Oaks
At the 86th percentile nationally, Three Oaks carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
Three Oaks's 93.3% 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 Three Oaks's figures come from
The methodology guide shows exactly how USFS turned 1,615 counted buildings into the percentiles shown above for Three Oaks. The exposure-zones guide covers what Three Oaks's dominant minimal exposure actually means, with real examples from across the dataset.