Palm City, FL
How exposed is Palm City to wildfire?
Palm City sits at the 79th 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 10,034 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Palm City's burn probability — fire likelihood with no building count factored in — sits at the 80th percentile nationally.
Where Palm City's buildings actually sit
Only 26% of Palm City's 10,034 buildings carry Direct exposure and 4.1% carry Indirect; the remaining 69.9% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 10,034 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Palm City compares
Palm City ranks lower within Florida (45th percentile statewide) than its 79th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Palm City ranks 6,675 for wildfire risk (1 is highest) and 1,603 by building count (1 is largest). Within Florida alone, it ranks 526 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Palm City
Palm City's 79th-percentile, 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
Palm City's 69.9% 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 Palm City's figures come from
The methodology guide shows exactly how USFS turned 10,034 counted buildings into the percentiles shown above for Palm City. The exposure-zones guide covers what Palm City's dominant minimal exposure actually means, with real examples from across the dataset.