Trinity, FL
How exposed is Trinity to wildfire?
Trinity sits at the 87th 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 5,870 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Trinity's burn probability — fire likelihood with no building count factored in — sits at the 89th percentile nationally.
What "at risk" means for the buildings here
Indirect exposure is dominant in Trinity (87.9% of 5,870 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 11.7% sit in the Direct zone. At 5,870 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Trinity compares
Trinity's risk sits at a similar level relative to Florida (73rd percentile statewide) as it does nationally (87th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Trinity ranks 3,998 for wildfire risk (1 is highest) and 2,931 by building count (1 is largest). Within Florida alone, it ranks 261 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Trinity and the insurance market
Trinity's 87th-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 ember exposure the dominant pattern in Trinity (87.9% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
The methodology guide shows exactly how USFS turned 5,870 counted buildings into the percentiles shown above for Trinity. For more on what indirect exposure implies beyond Trinity, see the exposure-zones guide.