Trilby, FL
Trilby wildfire risk explained
USFS's Wildfire Risk to Communities model puts Trilby at the 89th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 278 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Trilby at the 91st percentile, close to its 89th-percentile risk score.
Where Trilby's buildings actually sit
Direct exposure dominates in Trilby: 95% of its 278 buildings, versus 5% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Trilby ranks
There's little gap between Trilby's 89th national percentile and its 77th percentile inside Florida, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Trilby ranks 3,561 for wildfire risk (1 is highest) and 22,253 by building count (1 is largest). Within Florida alone, it ranks 223 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 89th percentile nationally, Trilby carries the very 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.
Hardening a home in Trilby
With 95% of Trilby in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Trilby's figures come from
The methodology guide shows exactly how USFS turned 278 counted buildings into the percentiles shown above for Trilby. The exposure-zones guide covers what Trilby's dominant direct exposure actually means, with real examples from across the dataset.