Polk City, FL
Polk City wildfire risk explained
Polk City's 1,073 buildings earn a 95th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Polk City's burn probability — fire likelihood with no building count factored in — sits at the 96th percentile nationally.
Polk City's building exposure, zone by zone
Indirect exposure is dominant in Polk City (53.9% of 1,073 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 44.6% sit in the Direct zone.
Where Polk City ranks
Polk City's risk sits at a similar level relative to Florida (92nd percentile statewide) as it does nationally (95th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Polk City ranks 1,670 for wildfire risk (1 is highest) and 11,441 by building count (1 is largest). Within Florida alone, it ranks 80 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Polk City and the insurance market
Polk City's very high rating (95th 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.
What would actually reduce this score
Because 53.9% of Polk City's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Polk City's figures come from
Polk City's 95th-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 Polk City's dominant indirect exposure actually means, with real examples from across the dataset.