Harlem, FL
Harlem wildfire risk explained
Harlem's 999 buildings earn a 48th-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.)
Fire likelihood alone (USFS's burn-probability figure) ranks Harlem at the 52nd national percentile — 4 points above its risk-to-structures score, a gap driven by how much is actually built there.
Harlem's building exposure, zone by zone
Harlem rates 86.2% Minimal exposure against just 13.8% Direct and 0% Indirect — of 999 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Harlem ranks
Harlem's 48th national percentile looks worse in isolation than its 3rd ranking inside Florida does — this place is on the milder end for its own state, by 45 points. Among the 31,521 US communities USFS scores, Harlem ranks 16,413 for wildfire risk (1 is highest) and 11,941 by building count (1 is largest). Within Florida alone, it ranks 928 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Harlem
At the 48th national percentile, Harlem rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
With 86.2% of buildings rated Minimal exposure, Harlem gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Harlem's figures come from
The methodology guide shows exactly how USFS turned 999 counted buildings into the percentiles shown above for Harlem. The exposure-zones guide covers what Harlem's dominant minimal exposure actually means, with real examples from across the dataset.