Safety Harbor, FL
Safety Harbor wildfire risk explained
Safety Harbor sits at the 63rd percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 7,727 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Safety Harbor's burn probability — fire likelihood with no building count factored in — sits at the 63rd percentile nationally.
Where Safety Harbor's buildings actually sit
Only 10.8% of Safety Harbor's 7,727 buildings carry Direct exposure and 0.7% carry Indirect; the remaining 88.6% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 7,727 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Safety Harbor ranks
Safety Harbor ranks lower within Florida (17th percentile statewide) than its 63rd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Safety Harbor ranks 11,717 for wildfire risk (1 is highest) and 2,204 by building count (1 is largest). Within Florida alone, it ranks 790 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
At the 63rd percentile nationally, Safety Harbor carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
What would actually reduce this score
Even with 88.6% of Safety Harbor 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
Every one of the two percentiles behind Safety Harbor's 11,717-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Safety Harbor, see the exposure-zones guide.