Royal Palm Beach, FL
Royal Palm Beach wildfire risk explained
Out of every US place USFS scores, Royal Palm Beach lands at the 90th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 10,884 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Royal Palm Beach's burn probability — fire likelihood with no building count factored in — sits at the 89th percentile nationally.
What "at risk" means for the buildings here
Only 3.5% of Royal Palm Beach's 10,884 buildings carry Direct exposure and 22.1% carry Indirect; the remaining 74.4% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 10,884 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Royal Palm Beach ranks
Royal Palm Beach scores 90th nationally and 82nd within Florida — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Royal Palm Beach ranks 3,024 for wildfire risk (1 is highest) and 1,454 by building count (1 is largest). Within Florida alone, it ranks 173 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Royal Palm Beach
Royal Palm Beach's 90th-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
Royal Palm Beach's 74.4% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Royal Palm Beach's 90th-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 Royal Palm Beach, see the exposure-zones guide.