Doctor Phillips, FL
How exposed is Doctor Phillips to wildfire?
Doctor Phillips's 4,023 buildings earn a 75th-percentile wildfire-risk score nationally under USFS's model — well above the national norm 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 Doctor Phillips at the 75th percentile, close to its 75th-percentile risk score.
Where Doctor Phillips's buildings actually sit
74.7% of Doctor Phillips's 4,023 buildings sit in USFS's Minimal exposure zone, with only 11.5% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Doctor Phillips ranks
Doctor Phillips's 75th national percentile looks worse in isolation than its 37th ranking inside Florida does — this place is on the milder end for its own state, by 39 points. Among the 31,521 US communities USFS scores, Doctor Phillips ranks 7,871 for wildfire risk (1 is highest) and 4,227 by building count (1 is largest). Within Florida alone, it ranks 607 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Doctor Phillips
Doctor Phillips's high rating (75th 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 Doctor Phillips
Doctor Phillips's 74.7% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Doctor Phillips's figures come from
Every one of the two percentiles behind Doctor Phillips's 7,871-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Doctor Phillips's dominant minimal exposure actually means, with real examples from across the dataset.