Charlotte Harbor, FL
Charlotte Harbor wildfire risk explained
USFS's Wildfire Risk to Communities model puts Charlotte Harbor at the 76th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 1,505 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Charlotte Harbor at the 76th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Charlotte Harbor's building exposure, zone by zone
Most of Charlotte Harbor's buildings (88.7% of 1,505) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Where Charlotte Harbor ranks
Inside Florida, Charlotte Harbor sits at just the 39th percentile even though it scores 76th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Charlotte Harbor ranks 7,496 for wildfire risk (1 is highest) and 9,146 by building count (1 is largest). Within Florida alone, it ranks 580 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
Charlotte Harbor's 76th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
What would actually reduce this score
With 88.7% of buildings rated Minimal exposure, Charlotte Harbor 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
Every one of the two percentiles behind Charlotte Harbor's 7,496-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Charlotte Harbor, see the exposure-zones guide.