Florida City, FL
How exposed is Florida City to wildfire?
Florida City sits at the 98th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 2,779 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Florida City at the 98th percentile, close to its 98th-percentile risk score.
What "at risk" means for the buildings here
47.8% of Florida City's 2,779 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 17.8% Direct and 34.5% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Where Florida City ranks
Florida City's risk sits at a similar level relative to Florida (98th percentile statewide) as it does nationally (98th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Florida City ranks 601 for wildfire risk (1 is highest) and 5,805 by building count (1 is largest). Within Florida alone, it ranks 17 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Florida City and the insurance market
At the 98th percentile nationally, Florida City carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Hardening a home in Florida City
Florida City's 47.8% 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.
More on how this number was built
Every one of the two percentiles behind Florida City's 601-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Florida City, see the exposure-zones guide.