Waldo, FL
How exposed is Waldo to wildfire?
Waldo's 576 buildings earn a 90th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Waldo at the 90th percentile, close to its 90th-percentile risk score.
What "at risk" means for the buildings here
Direct exposure dominates in Waldo: 72.7% of its 576 buildings, versus 27.3% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Waldo against the rest of the country
Waldo 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, Waldo ranks 3,273 for wildfire risk (1 is highest) and 16,157 by building count (1 is largest). Within Florida alone, it ranks 192 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 90th percentile nationally, Waldo 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.
Hardening a home in Waldo
Because Direct exposure dominates in Waldo (72.7%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Waldo's 90th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Waldo, see the exposure-zones guide.