Charlotte Park, FL
How exposed is Charlotte Park to wildfire?
Charlotte Park sits at the 81st percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 1,757 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Charlotte Park at the 83rd percentile, close to its 81st-percentile risk score.
What "at risk" means for the buildings here
Most of Charlotte Park's buildings (80.8% of 1,757) 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.
How Charlotte Park compares
Charlotte Park ranks lower within Florida (51st percentile statewide) than its 81st national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Charlotte Park ranks 5,956 for wildfire risk (1 is highest) and 8,200 by building count (1 is largest). Within Florida alone, it ranks 468 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 Park's very high rating (81st percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
Even with 80.8% of Charlotte Park outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,757 counted buildings into the percentiles shown above for Charlotte Park. For more on what minimal exposure implies beyond Charlotte Park, see the exposure-zones guide.