Apollo Beach, FL
How exposed is Apollo Beach to wildfire?
USFS's Wildfire Risk to Communities model puts Apollo Beach at the 86th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 10,843 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Apollo Beach at the 86th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Apollo Beach's buildings actually sit
Most of Apollo Beach's buildings (71.6%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone. At 10,843 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Apollo Beach ranks
Apollo Beach ranks lower within Florida (67th percentile statewide) than its 86th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Apollo Beach ranks 4,534 for wildfire risk (1 is highest) and 1,461 by building count (1 is largest). Within Florida alone, it ranks 315 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Apollo Beach and the insurance market
Apollo Beach's very high rating (86th 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.
What would actually reduce this score
Apollo Beach's 71.6% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 10,843 counted buildings into the percentiles shown above for Apollo Beach. For more on what indirect exposure implies beyond Apollo Beach, see the exposure-zones guide.