Shalimar, FL
How exposed is Shalimar to wildfire?
Shalimar sits at the 69th 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 332 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Shalimar at the 68th percentile, close to its 69th-percentile risk score.
What "at risk" means for the buildings here
61.1% of Shalimar's 332 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 7.5% Direct and 31.3% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Where Shalimar ranks
Shalimar's 69th national percentile looks worse in isolation than its 25th ranking inside Florida does — this place is on the milder end for its own state, by 44 points. Among the 31,521 US communities USFS scores, Shalimar ranks 9,792 for wildfire risk (1 is highest) and 20,752 by building count (1 is largest). Within Florida alone, it ranks 719 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shalimar and the insurance market
Shalimar's 69th-percentile, 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
Shalimar's 61.1% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Shalimar's figures come from
The methodology guide shows exactly how USFS turned 332 counted buildings into the percentiles shown above for Shalimar. The exposure-zones guide covers what Shalimar's dominant indirect exposure actually means, with real examples from across the dataset.