Tropical Park, FL
Tropical Park wildfire risk explained
USFS scores Tropical Park at the 94th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 456 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Tropical Park at the 91st national percentile — 3 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Tropical Park rates 80% Minimal exposure against just 20% Direct and 0% Indirect — of 456 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Tropical Park against the rest of the country
Tropical Park's risk sits at a similar level relative to Florida (89th percentile statewide) as it does nationally (94th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Tropical Park ranks 1,982 for wildfire risk (1 is highest) and 18,147 by building count (1 is largest). Within Florida alone, it ranks 109 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
Tropical Park'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.
Hardening a home in Tropical Park
Tropical Park's 80% 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.
More on how this number was built
Tropical Park's 94th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Tropical Park, see the exposure-zones guide.