Opa-locka, FL
Opa-locka, FL's wildfire risk, in USFS's own numbers
Opa-locka's 3,978 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.)
Separately from the risk score above, Opa-locka's burn probability — fire likelihood with no building count factored in — sits at the 61st percentile nationally.
What "at risk" means for the buildings here
97.1% of Opa-locka's 3,978 buildings sit in USFS's Minimal exposure zone, with only 2.9% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Opa-locka compares
Inside Florida, Opa-locka 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, Opa-locka ranks 14,019 for wildfire risk (1 is highest) and 4,270 by building count (1 is largest). Within Florida alone, it ranks 874 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Opa-locka and the insurance market
Opa-locka's elevated wildfire rating (56th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Hardening a home in Opa-locka
Even with 97.1% of Opa-locka 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
Every one of the two percentiles behind Opa-locka's 14,019-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Opa-locka, see the exposure-zones guide.