Bagdad, FL
Bagdad wildfire risk explained
Bagdad's 1,935 buildings earn a 86th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Bagdad's burn probability — fire likelihood with no building count factored in — sits at the 86th percentile nationally.
Where Bagdad's buildings actually sit
66.2% of Bagdad's 1,935 buildings sit in USFS's Direct exposure zone, roughly 1,281 structures close enough to burnable vegetation for flame contact, not just embers — 32.1% fall in the Indirect, ember-only zone and 1.7% are Minimal.
Where Bagdad ranks
Bagdad ranks lower within Florida (68th 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, Bagdad ranks 4,435 for wildfire risk (1 is highest) and 7,660 by building count (1 is largest). Within Florida alone, it ranks 309 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Bagdad and the insurance market
At the 86th percentile nationally, Bagdad 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
With 66.2% of Bagdad 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.
Where Bagdad's figures come from
Every one of the two percentiles behind Bagdad's 4,435-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Bagdad's dominant direct exposure actually means, with real examples from across the dataset.