Palm Harbor, FL
How exposed is Palm Harbor to wildfire?
Palm Harbor's 25,026 buildings earn a 66th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Palm Harbor's burn probability — fire likelihood with no building count factored in — sits at the 66th percentile nationally.
Palm Harbor's building exposure, zone by zone
Only 5.6% of Palm Harbor's 25,026 buildings carry Direct exposure and 3.2% carry Indirect; the remaining 91.2% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 25,026 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Palm Harbor ranks
Palm Harbor's 66th national percentile looks worse in isolation than its 21st ranking inside Florida does — this place is on the milder end for its own state, by 45 points. Among the 31,521 US communities USFS scores, Palm Harbor ranks 10,834 for wildfire risk (1 is highest) and 506 by building count (1 is largest). Within Florida alone, it ranks 759 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Palm Harbor and the insurance market
Palm Harbor's 66th-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.
Hardening a home in Palm Harbor
Even with 91.2% of Palm Harbor 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 Palm Harbor's 10,834-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Palm Harbor, see the exposure-zones guide.