Zellwood, FL
How exposed is Zellwood to wildfire?
USFS's Wildfire Risk to Communities model puts Zellwood at the 83rd national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 1,845 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Zellwood at the 84th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Zellwood's buildings actually sit
Of Zellwood's 1,845 counted buildings, 51.4% carry Direct exposure and only 18.2% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Zellwood against the rest of the country
Inside Florida, Zellwood sits at just the 57th percentile even though it scores 83rd nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Zellwood ranks 5,356 for wildfire risk (1 is highest) and 7,924 by building count (1 is largest). Within Florida alone, it ranks 407 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 83rd percentile nationally, Zellwood 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Zellwood (51.4%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Zellwood's figures come from
Zellwood's 83rd-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 Zellwood's dominant direct exposure actually means, with real examples from across the dataset.