Vernon, FL
Vernon wildfire risk explained
USFS scores Vernon at the 73rd national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 607 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Vernon at the 74th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
USFS classifies 87.3% of Vernon's buildings as Direct exposure, higher than its 12.7% Indirect share and far above its 0% Minimal share — a profile where 530 structures sit close enough to vegetation that lot clearing matters most.
Where Vernon ranks
Vernon ranks lower within Florida (31st percentile statewide) than its 73rd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Vernon ranks 8,629 for wildfire risk (1 is highest) and 15,728 by building count (1 is largest). Within Florida alone, it ranks 657 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
At the 73rd percentile nationally, Vernon carries the 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
Vernon's 87.3% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Every one of the two percentiles behind Vernon's 8,629-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Vernon, see the exposure-zones guide.