Whitfield (Manatee), FL
How exposed is Whitfield (Manatee) to wildfire?
Whitfield (Manatee) sits at the 62nd percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 1,498 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Whitfield (Manatee)'s burn probability — fire likelihood with no building count factored in — sits at the 62nd percentile nationally.
What "at risk" means for the buildings here
93.1% of Whitfield (Manatee)'s 1,498 buildings sit in USFS's Minimal exposure zone, with only 6.9% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Whitfield (Manatee) ranks
Whitfield (Manatee) ranks lower within Florida (16th percentile statewide) than its 62nd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Whitfield (Manatee) ranks 12,091 for wildfire risk (1 is highest) and 9,179 by building count (1 is largest). Within Florida alone, it ranks 800 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 62nd percentile nationally, Whitfield (Manatee) carries the 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.
What would actually reduce this score
Whitfield (Manatee)'s 93.1% 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
The methodology guide shows exactly how USFS turned 1,498 counted buildings into the percentiles shown above for Whitfield (Manatee). For more on what minimal exposure implies beyond Whitfield (Manatee), see the exposure-zones guide.