White Springs, FL
White Springs wildfire risk explained
White Springs sits at the 83rd percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 517 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts White Springs at the 83rd percentile, close to its 83rd-percentile risk score.
What "at risk" means for the buildings here
Direct exposure dominates in White Springs: 80.3% of its 517 buildings, versus 19.7% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
White Springs against the rest of the country
White Springs ranks lower within Florida (56th percentile statewide) than its 83rd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, White Springs ranks 5,448 for wildfire risk (1 is highest) and 17,068 by building count (1 is largest). Within Florida alone, it ranks 418 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
White Springs's very high rating (83rd percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in White Springs (80.3%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where White Springs's figures come from
The methodology guide shows exactly how USFS turned 517 counted buildings into the percentiles shown above for White Springs. The exposure-zones guide covers what White Springs's dominant direct exposure actually means, with real examples from across the dataset.