Celebration, FL
Celebration wildfire risk explained
USFS's Wildfire Risk to Communities model puts Celebration at the 87th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 3,306 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Celebration at the 88th percentile, close to its 87th-percentile risk score.
Where Celebration's buildings actually sit
USFS puts 89.7% of Celebration's 3,306 buildings in the Indirect exposure zone, versus 10.3% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Celebration against the rest of the country
Celebration ranks lower within Florida (70th percentile statewide) than its 87th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Celebration ranks 4,154 for wildfire risk (1 is highest) and 5,037 by building count (1 is largest). Within Florida alone, it ranks 281 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Celebration and the insurance market
At the 87th percentile nationally, Celebration 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
Because 89.7% of Celebration's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Celebration's 4,154-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Celebration, see the exposure-zones guide.