Gulf Gate, FL
Gulf Gate wildfire risk explained
Gulf Gate's 3,459 buildings earn a 58th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Gulf Gate's burn probability — fire likelihood with no building count factored in — sits at the 59th percentile nationally.
What "at risk" means for the buildings here
Most of Gulf Gate's buildings (99% of 3,459) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
How Gulf Gate compares
Gulf Gate's 58th national percentile looks worse in isolation than its 12th ranking inside Florida does — this place is on the milder end for its own state, by 46 points. Among the 31,521 US communities USFS scores, Gulf Gate ranks 13,166 for wildfire risk (1 is highest) and 4,831 by building count (1 is largest). Within Florida alone, it ranks 840 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Gulf Gate and the insurance market
Gulf Gate's elevated wildfire rating (58th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
Even with 99% of Gulf Gate outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Gulf Gate's 58th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Gulf Gate, see the exposure-zones guide.