Tierra Verde, FL
How exposed is Tierra Verde to wildfire?
USFS scores Tierra Verde at the 56th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 1,684 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Tierra Verde at the 54th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
Tierra Verde's building exposure, zone by zone
USFS classifies 99.5% of Tierra Verde's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 0.5% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Tierra Verde ranks
Tierra Verde ranks lower within Florida (9th percentile statewide) than its 56th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Tierra Verde ranks 13,952 for wildfire risk (1 is highest) and 8,477 by building count (1 is largest). Within Florida alone, it ranks 870 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Tierra Verde and the insurance market
Tierra Verde's elevated wildfire rating (56th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
Even with 99.5% of Tierra Verde outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,684 counted buildings into the percentiles shown above for Tierra Verde. For more on what minimal exposure implies beyond Tierra Verde, see the exposure-zones guide.