Wesley Chapel, FL
Wesley Chapel, FL's wildfire risk, in USFS's own numbers
Wesley Chapel sits at the 89th 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 20,757 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 Wesley Chapel at the 90th percentile, close to its 89th-percentile risk score.
Wesley Chapel's building exposure, zone by zone
USFS puts 44.8% of Wesley Chapel's 20,757 buildings in the Indirect exposure zone, versus 28.3% Direct and 26.9% Minimal — a place where the fire doesn't need to reach the structure directly for embers to. At 20,757 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Wesley Chapel compares
There's little gap between Wesley Chapel's 89th national percentile and its 78th percentile inside Florida, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Wesley Chapel ranks 3,466 for wildfire risk (1 is highest) and 677 by building count (1 is largest). Within Florida alone, it ranks 209 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Wesley Chapel
Wesley Chapel's 89th-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.
Lowering exposure, not just insuring around it
Because 44.8% of Wesley Chapel's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Wesley Chapel's figures come from
Wesley Chapel's 89th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Wesley Chapel's dominant indirect exposure actually means, with real examples from across the dataset.