Zolfo Springs, FL
Zolfo Springs, FL's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Zolfo Springs lands at the 94th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 825 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Zolfo Springs at the 95th national percentile — 1 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
Direct exposure dominates in Zolfo Springs: 54.3% of its 825 buildings, versus 45.7% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Zolfo Springs against the rest of the country
Zolfo Springs's risk sits at a similar level relative to Florida (90th percentile statewide) as it does nationally (94th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Zolfo Springs ranks 1,887 for wildfire risk (1 is highest) and 13,393 by building count (1 is largest). Within Florida alone, it ranks 101 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
Zolfo Springs's 94th-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
With 54.3% of Zolfo Springs in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Zolfo Springs's 1,887-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Zolfo Springs, see the exposure-zones guide.