Umatilla, FL
How exposed is Umatilla to wildfire?
USFS's Wildfire Risk to Communities model puts Umatilla at the 90th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 1,949 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Umatilla at the 91st national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Umatilla's building exposure, zone by zone
57.2% of Umatilla's 1,949 buildings sit in USFS's Direct exposure zone, roughly 1,114 structures close enough to burnable vegetation for flame contact, not just embers — 42% fall in the Indirect, ember-only zone and 0.9% are Minimal.
How Umatilla compares
Umatilla scores 90th nationally and 80th 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, Umatilla ranks 3,272 for wildfire risk (1 is highest) and 7,618 by building count (1 is largest). Within Florida alone, it ranks 191 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
Umatilla's 90th-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
With 57.2% of Umatilla in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Umatilla's 3,272-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Umatilla, see the exposure-zones guide.