Floral City, FL
How exposed is Floral City to wildfire?
USFS's Wildfire Risk to Communities model puts Floral City at the 88th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 3,801 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Floral City at the 89th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
85.4% of Floral City's 3,801 buildings sit in USFS's Direct exposure zone, roughly 3,246 structures close enough to burnable vegetation for flame contact, not just embers — 14.1% fall in the Indirect, ember-only zone and 0.6% are Minimal.
How Floral City compares
There's little gap between Floral City's 88th national percentile and its 76th percentile inside Florida, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Floral City ranks 3,745 for wildfire risk (1 is highest) and 4,422 by building count (1 is largest). Within Florida alone, it ranks 235 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Floral City and the insurance market
Floral City's very high rating (88th 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.
Lowering exposure, not just insuring around it
With 85.4% of Floral City in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 3,801 counted buildings into the percentiles shown above for Floral City. For more on what direct exposure implies beyond Floral City, see the exposure-zones guide.