Largo, FL
Largo, FL's wildfire risk, in USFS's own numbers
Largo's 33,282 buildings earn a 56th-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.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Largo at the 58th percentile, close to its 56th-percentile risk score.
Largo's building exposure, zone by zone
96.7% of Largo's 33,282 buildings sit in USFS's Minimal exposure zone, with only 3.3% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself. At 33,282 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Largo against the rest of the country
Inside Florida, Largo sits at just the 9th percentile even though it scores 56th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Largo ranks 13,893 for wildfire risk (1 is highest) and 328 by building count (1 is largest). Within Florida alone, it ranks 865 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Largo
Largo's elevated rating (56th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
With 96.7% of buildings rated Minimal exposure, Largo gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 33,282 counted buildings into the percentiles shown above for Largo. For more on what minimal exposure implies beyond Largo, see the exposure-zones guide.