Flagler Estates, FL
Flagler Estates wildfire risk explained
USFS scores Flagler Estates at the 83rd national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 1,705 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Flagler Estates at the 84th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Flagler Estates's building exposure, zone by zone
Direct exposure dominates in Flagler Estates: 98.9% of its 1,705 buildings, versus 0.8% Indirect and 0.4% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Flagler Estates compares
Flagler Estates ranks lower within Florida (58th percentile statewide) than its 83rd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Flagler Estates ranks 5,321 for wildfire risk (1 is highest) and 8,405 by building count (1 is largest). Within Florida alone, it ranks 400 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Flagler Estates and the insurance market
Flagler Estates's 83rd-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.
Hardening a home in Flagler Estates
Because Direct exposure dominates in Flagler Estates (98.9%), 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
Every one of the two percentiles behind Flagler Estates's 5,321-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Flagler Estates, see the exposure-zones guide.