Coral Terrace, FL
Coral Terrace, FL's wildfire risk, in USFS's own numbers
Coral Terrace's 7,806 buildings earn a 58th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Coral Terrace at the 66th percentile, close to its 58th-percentile risk score.
What "at risk" means for the buildings here
Most of Coral Terrace's buildings (96.1% of 7,806) 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. At 7,806 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Coral Terrace ranks
Inside Florida, Coral Terrace sits at just the 12th percentile even though it scores 58th 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, Coral Terrace ranks 13,134 for wildfire risk (1 is highest) and 2,178 by building count (1 is largest). Within Florida alone, it ranks 837 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 58th national percentile, Coral Terrace rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Coral Terrace
Even with 96.1% of Coral Terrace 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.
Where Coral Terrace's figures come from
Coral Terrace's 58th-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 Coral Terrace's dominant minimal exposure actually means, with real examples from across the dataset.