Kissimmee, FL
Kissimmee, FL's wildfire risk, in USFS's own numbers
Kissimmee sits at the 86th 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 19,071 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 Kissimmee at the 86th percentile, close to its 86th-percentile risk score.
What "at risk" means for the buildings here
Only 14.2% of Kissimmee's 19,071 buildings carry Direct exposure and 40.9% carry Indirect; the remaining 44.9% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 19,071 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Kissimmee compares
Kissimmee's 86th national percentile looks worse in isolation than its 67th ranking inside Florida does — this place is on the milder end for its own state, by 18 points. Among the 31,521 US communities USFS scores, Kissimmee ranks 4,535 for wildfire risk (1 is highest) and 742 by building count (1 is largest). Within Florida alone, it ranks 316 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
What this risk score means for insurance
Kissimmee's very high rating (86th 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.
What would actually reduce this score
Even with 44.9% of Kissimmee 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
The methodology guide shows exactly how USFS turned 19,071 counted buildings into the percentiles shown above for Kissimmee. For more on what minimal exposure implies beyond Kissimmee, see the exposure-zones guide.