Pembroke Pines, FL
Pembroke Pines, FL's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Pembroke Pines lands at the 99th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 36,381 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Pembroke Pines at the 99th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Pembroke Pines's building exposure, zone by zone
84.4% of Pembroke Pines's 36,381 buildings sit in USFS's Minimal exposure zone, with only 4% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself. At 36,381 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Pembroke Pines against the rest of the country
Pembroke Pines's risk sits at a similar level relative to Florida (100th percentile statewide) as it does nationally (99th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Pembroke Pines ranks 227 for wildfire risk (1 is highest) and 288 by building count (1 is largest). Within Florida alone, it ranks 5 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
Pembroke Pines's 99th-percentile, very 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 84.4% of Pembroke Pines 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
Pembroke Pines's 99th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Pembroke Pines, see the exposure-zones guide.