Carrollwood, FL
How exposed is Carrollwood to wildfire?
Out of every US place USFS scores, Carrollwood lands at the 61st percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 12,826 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Carrollwood's burn probability — fire likelihood with no building count factored in — sits at the 63rd percentile nationally.
Carrollwood's building exposure, zone by zone
Only 11.9% of Carrollwood's 12,826 buildings carry Direct exposure and 0% carry Indirect; the remaining 88.1% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 12,826 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Carrollwood ranks
Carrollwood's 61st national percentile looks worse in isolation than its 16th ranking inside Florida does — this place is on the milder end for its own state, by 45 points. Among the 31,521 US communities USFS scores, Carrollwood ranks 12,187 for wildfire risk (1 is highest) and 1,187 by building count (1 is largest). Within Florida alone, it ranks 803 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 61st percentile nationally, Carrollwood carries the 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 88.1% of buildings rated Minimal exposure, Carrollwood gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Carrollwood's figures come from
Carrollwood's 61st-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 Carrollwood's dominant minimal exposure actually means, with real examples from across the dataset.