Everglades, FL
How exposed is Everglades to wildfire?
USFS's Wildfire Risk to Communities model puts Everglades at the 93rd national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 545 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Everglades's burn probability — fire likelihood with no building count factored in — sits at the 93rd percentile nationally.
What "at risk" means for the buildings here
Most of Everglades's buildings (70.6%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
How Everglades compares
There's little gap between Everglades's 93rd national percentile and its 87th percentile inside Florida, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Everglades ranks 2,262 for wildfire risk (1 is highest) and 16,629 by building count (1 is largest). Within Florida alone, it ranks 123 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
Everglades's very high rating (93rd 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 Everglades
Everglades's 70.6% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Everglades's figures come from
Everglades's 93rd-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 Everglades's dominant indirect exposure actually means, with real examples from across the dataset.