Suncoast Estates, FL
Suncoast Estates, FL's wildfire risk, in USFS's own numbers
Suncoast Estates sits at the 94th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 2,125 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 Suncoast Estates at the 94th percentile, close to its 94th-percentile risk score.
Where Suncoast Estates's buildings actually sit
Suncoast Estates rates 36% Minimal exposure against just 29.7% Direct and 34.4% Indirect — of 2,125 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Suncoast Estates compares
Suncoast Estates scores 94th nationally and 90th 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, Suncoast Estates ranks 1,853 for wildfire risk (1 is highest) and 7,127 by building count (1 is largest). Within Florida alone, it ranks 97 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Suncoast Estates and the insurance market
Suncoast Estates's 94th-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.
What would actually reduce this score
With 36% of buildings rated Minimal exposure, Suncoast Estates gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Every one of the two percentiles behind Suncoast Estates's 1,853-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Suncoast Estates, see the exposure-zones guide.