Naples, FL
Naples, FL's wildfire risk, in USFS's own numbers
USFS scores Naples at the 83rd national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 9,378 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Naples at the 83rd percentile, close to its 83rd-percentile risk score.
What "at risk" means for the buildings here
Naples rates 91.2% Minimal exposure against just 4% Direct and 4.9% Indirect — of 9,378 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually. At 9,378 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Naples against the rest of the country
Naples's 83rd national percentile looks worse in isolation than its 58th ranking inside Florida does — this place is on the milder end for its own state, by 25 points. Among the 31,521 US communities USFS scores, Naples ranks 5,352 for wildfire risk (1 is highest) and 1,747 by building count (1 is largest). Within Florida alone, it ranks 403 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Naples and the insurance market
Naples's 83rd-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
Naples's 91.2% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Naples's figures come from
The methodology guide shows exactly how USFS turned 9,378 counted buildings into the percentiles shown above for Naples. The exposure-zones guide covers what Naples's dominant minimal exposure actually means, with real examples from across the dataset.