Palm Coast, FL
Palm Coast, FL's wildfire risk, in USFS's own numbers
Palm Coast sits at the 88th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 36,744 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Palm Coast's burn probability — fire likelihood with no building count factored in — sits at the 88th percentile nationally.
Where Palm Coast's buildings actually sit
USFS puts 45% of Palm Coast's 36,744 buildings in the Indirect exposure zone, versus 39.6% Direct and 15.4% Minimal — a place where the fire doesn't need to reach the structure directly for embers to. At 36,744 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Palm Coast against the rest of the country
There's little gap between Palm Coast's 88th national percentile and its 74th percentile inside Florida, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Palm Coast ranks 3,811 for wildfire risk (1 is highest) and 283 by building count (1 is largest). Within Florida alone, it ranks 246 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
Palm Coast's very high rating (88th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
Palm Coast's 45% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Palm Coast's 88th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Palm Coast, see the exposure-zones guide.