Cape Coral, FL
How exposed is Cape Coral to wildfire?
USFS's Wildfire Risk to Communities model puts Cape Coral at the 94th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 83,289 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Cape Coral at the 94th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Cape Coral's building exposure, zone by zone
USFS classifies 70.6% of Cape Coral's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 15.7% Direct and 13.7% Indirect — a landscape-level risk rather than a building-by-building one. At 83,289 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Cape Coral against the rest of the country
Cape Coral scores 94th nationally and 90th 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, Cape Coral ranks 1,821 for wildfire risk (1 is highest) and 89 by building count (1 is largest). Within Florida alone, it ranks 90 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 94th percentile nationally, Cape Coral 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.
Hardening a home in Cape Coral
With 70.6% of buildings rated Minimal exposure, Cape Coral gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Cape Coral's 94th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Cape Coral, see the exposure-zones guide.