Palmetto, FL
Palmetto, FL's wildfire risk, in USFS's own numbers
USFS scores Palmetto at the 69th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 5,838 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Palmetto at the 70th percentile, close to its 69th-percentile risk score.
Where Palmetto's buildings actually sit
Palmetto rates 90.4% Minimal exposure against just 9.6% Direct and 0% Indirect — of 5,838 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually. At 5,838 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Palmetto against the rest of the country
Inside Florida, Palmetto sits at just the 25th percentile even though it scores 69th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Palmetto ranks 9,761 for wildfire risk (1 is highest) and 2,949 by building count (1 is largest). Within Florida alone, it ranks 716 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 69th percentile nationally, Palmetto 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.
Lowering exposure, not just insuring around it
With 90.4% of buildings rated Minimal exposure, Palmetto gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Palmetto's figures come from
Palmetto's 69th-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 Palmetto's dominant minimal exposure actually means, with real examples from across the dataset.