Port Charlotte, FL
Port Charlotte, FL's wildfire risk, in USFS's own numbers
USFS scores Port Charlotte at the 79th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 28,980 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Port Charlotte's burn probability — fire likelihood with no building count factored in — sits at the 79th percentile nationally.
What "at risk" means for the buildings here
USFS classifies 74.6% of Port Charlotte's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 12% Direct and 13.4% Indirect — a landscape-level risk rather than a building-by-building one. At 28,980 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Port Charlotte ranks
Port Charlotte ranks lower within Florida (44th percentile statewide) than its 79th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Port Charlotte ranks 6,769 for wildfire risk (1 is highest) and 406 by building count (1 is largest). Within Florida alone, it ranks 534 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Port Charlotte
Port Charlotte's high rating (79th 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.
Hardening a home in Port Charlotte
Even with 74.6% of Port Charlotte 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
Port Charlotte's 79th-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 Port Charlotte, see the exposure-zones guide.