Plant City, FL
How exposed is Plant City to wildfire?
USFS scores Plant City at the 88th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 14,160 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Plant City at the 90th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Plant City's building exposure, zone by zone
USFS classifies 46.1% of Plant City's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 31.3% Direct and 22.7% Indirect — a landscape-level risk rather than a building-by-building one. At 14,160 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Plant City compares
There's little gap between Plant City's 88th national percentile and its 75th percentile inside Florida, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Plant City ranks 3,776 for wildfire risk (1 is highest) and 1,061 by building count (1 is largest). Within Florida alone, it ranks 240 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Plant City and the insurance market
Plant City'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
With 46.1% of buildings rated Minimal exposure, Plant City gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Plant City's figures come from
Plant City's 88th-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 Plant City's dominant minimal exposure actually means, with real examples from across the dataset.