Willow Oak, FL
How exposed is Willow Oak to wildfire?
USFS's Wildfire Risk to Communities model puts Willow Oak at the 92nd national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 2,038 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Willow Oak's burn probability — fire likelihood with no building count factored in — sits at the 93rd percentile nationally.
Willow Oak's building exposure, zone by zone
USFS classifies 72.3% of Willow Oak's buildings as Direct exposure, higher than its 15.4% Indirect share and far above its 12.3% Minimal share — a profile where 1,474 structures sit close enough to vegetation that lot clearing matters most.
Willow Oak against the rest of the country
Willow Oak scores 92nd nationally and 86th 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, Willow Oak ranks 2,521 for wildfire risk (1 is highest) and 7,359 by building count (1 is largest). Within Florida alone, it ranks 141 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Willow Oak and the insurance market
Willow Oak's 92nd-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
Because Direct exposure dominates in Willow Oak (72.3%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Willow Oak's figures come from
Willow Oak's 92nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Willow Oak's dominant direct exposure actually means, with real examples from across the dataset.