Cypress Gardens, FL
How exposed is Cypress Gardens to wildfire?
USFS's Wildfire Risk to Communities model puts Cypress Gardens at the 82nd national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 3,956 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Cypress Gardens's burn probability — fire likelihood with no building count factored in — sits at the 84th percentile nationally.
Cypress Gardens's building exposure, zone by zone
Only 16.9% of Cypress Gardens's 3,956 buildings carry Direct exposure and 28.6% carry Indirect; the remaining 54.5% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Cypress Gardens ranks
Cypress Gardens's 82nd national percentile looks worse in isolation than its 53rd ranking inside Florida does — this place is on the milder end for its own state, by 29 points. Among the 31,521 US communities USFS scores, Cypress Gardens ranks 5,792 for wildfire risk (1 is highest) and 4,284 by building count (1 is largest). Within Florida alone, it ranks 453 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 82nd percentile nationally, Cypress Gardens 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.
Hardening a home in Cypress Gardens
Even with 54.5% of Cypress Gardens 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 Cypress Gardens's figures come from
Cypress Gardens's 82nd-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 Cypress Gardens's dominant minimal exposure actually means, with real examples from across the dataset.