Orchid, FL
Orchid wildfire risk explained
Orchid sits at the 73rd percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 337 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Orchid's burn probability — fire likelihood with no building count factored in — sits at the 73rd percentile nationally.
What "at risk" means for the buildings here
91.4% of Orchid's 337 buildings sit in USFS's Minimal exposure zone, with only 8.6% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Orchid against the rest of the country
Orchid's 73rd national percentile looks worse in isolation than its 32nd ranking inside Florida does — this place is on the milder end for its own state, by 41 points. Among the 31,521 US communities USFS scores, Orchid ranks 8,538 for wildfire risk (1 is highest) and 20,652 by building count (1 is largest). Within Florida alone, it ranks 649 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
At the 73rd percentile nationally, Orchid carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Hardening a home in Orchid
Orchid's 91.4% 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 Orchid's figures come from
Orchid's 73rd-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 Orchid's dominant minimal exposure actually means, with real examples from across the dataset.