Palm Shores, FL
Palm Shores, FL's wildfire risk, in USFS's own numbers
USFS scores Palm Shores at the 75th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 545 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Palm Shores at the 73rd national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
Palm Shores's building exposure, zone by zone
Only 7.7% of Palm Shores's 545 buildings carry Direct exposure and 0% carry Indirect; the remaining 92.3% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Palm Shores against the rest of the country
Palm Shores's 75th national percentile looks worse in isolation than its 35th ranking inside Florida does — this place is on the milder end for its own state, by 39 points. Among the 31,521 US communities USFS scores, Palm Shores ranks 8,001 for wildfire risk (1 is highest) and 16,630 by building count (1 is largest). Within Florida alone, it ranks 618 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Palm Shores and the insurance market
Palm Shores's 75th-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.
Lowering exposure, not just insuring around it
Even with 92.3% of Palm Shores 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.
Where Palm Shores's figures come from
The methodology guide shows exactly how USFS turned 545 counted buildings into the percentiles shown above for Palm Shores. The exposure-zones guide covers what Palm Shores's dominant minimal exposure actually means, with real examples from across the dataset.