Temple Terrace, FL
How exposed is Temple Terrace to wildfire?
USFS's Wildfire Risk to Communities model puts Temple Terrace at the 83rd national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 7,510 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Temple Terrace at the 83rd national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Temple Terrace's building exposure, zone by zone
Temple Terrace rates 57.3% Minimal exposure against just 26.1% Direct and 16.6% Indirect — of 7,510 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually. At 7,510 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Temple Terrace compares
Inside Florida, Temple Terrace sits at just the 57th percentile even though it scores 83rd nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Temple Terrace ranks 5,416 for wildfire risk (1 is highest) and 2,278 by building count (1 is largest). Within Florida alone, it ranks 412 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Temple Terrace and the insurance market
Temple Terrace's very high rating (83rd 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.
Lowering exposure, not just insuring around it
Temple Terrace's 57.3% 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.
Where Temple Terrace's figures come from
Every one of the two percentiles behind Temple Terrace's 5,416-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Temple Terrace's dominant minimal exposure actually means, with real examples from across the dataset.