Dade City, FL
Dade City, FL's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Dade City lands at the 88th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 3,186 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Dade City's burn probability — fire likelihood with no building count factored in — sits at the 91st percentile nationally.
Where Dade City's buildings actually sit
Direct exposure dominates in Dade City: 43.7% of its 3,186 buildings, versus 40.2% Indirect and 16.1% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Dade City ranks
Dade City's risk sits at a similar level relative to Florida (76th percentile statewide) as it does nationally (88th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Dade City ranks 3,716 for wildfire risk (1 is highest) and 5,179 by building count (1 is largest). Within Florida alone, it ranks 230 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
Dade City's 88th-percentile, very 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Dade City (43.7%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Dade City's 88th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Dade City, see the exposure-zones guide.