Vamo, FL
Vamo, FL's wildfire risk, in USFS's own numbers
USFS scores Vamo at the 58th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 1,002 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Vamo at the 58th percentile, close to its 58th-percentile risk score.
What "at risk" means for the buildings here
USFS classifies 58.2% of Vamo's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 7.2% Direct and 34.6% Indirect — a landscape-level risk rather than a building-by-building one.
How Vamo compares
Vamo ranks lower within Florida (12th percentile statewide) than its 58th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Vamo ranks 13,167 for wildfire risk (1 is highest) and 11,917 by building count (1 is largest). Within Florida alone, it ranks 841 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
Vamo's elevated wildfire rating (58th 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
With 58.2% of buildings rated Minimal exposure, Vamo gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Vamo's figures come from
Every one of the two percentiles behind Vamo's 13,167-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Vamo's dominant minimal exposure actually means, with real examples from across the dataset.