Kathleen, FL
Kathleen wildfire risk explained
Out of every US place USFS scores, Kathleen lands at the 91st percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 3,017 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Kathleen's burn probability — fire likelihood with no building count factored in — sits at the 94th percentile nationally.
Where Kathleen's buildings actually sit
Direct exposure dominates in Kathleen: 91.4% of its 3,017 buildings, versus 8.7% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Kathleen against the rest of the country
Kathleen scores 91st nationally and 84th within Florida — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Kathleen ranks 2,705 for wildfire risk (1 is highest) and 5,405 by building count (1 is largest). Within Florida alone, it ranks 150 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Kathleen
Kathleen's 91st-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.
What would actually reduce this score
With 91.4% of Kathleen 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.
Where Kathleen's figures come from
Kathleen's 91st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Kathleen's dominant direct exposure actually means, with real examples from across the dataset.