Cutler Bay, FL
Cutler Bay, FL's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Cutler Bay at the 80th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 12,118 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Cutler Bay at the 81st national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Cutler Bay's building exposure, zone by zone
Most of Cutler Bay's buildings (56.2% of 12,118) 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 12,118 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Cutler Bay ranks
Inside Florida, Cutler Bay sits at just the 48th percentile even though it scores 80th 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, Cutler Bay ranks 6,265 for wildfire risk (1 is highest) and 1,285 by building count (1 is largest). Within Florida alone, it ranks 493 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Cutler Bay and the insurance market
Cutler Bay's very high rating (80th 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.
Hardening a home in Cutler Bay
With 56.2% of buildings rated Minimal exposure, Cutler Bay 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 Cutler Bay's 6,265-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Cutler Bay, see the exposure-zones guide.