Wildwood, FL
How exposed is Wildwood to wildfire?
Wildwood sits at the 86th 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 10,383 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Wildwood's burn probability — fire likelihood with no building count factored in — sits at the 88th percentile nationally.
What "at risk" means for the buildings here
Indirect exposure is dominant in Wildwood (53.7% of 10,383 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 30.7% sit in the Direct zone. At 10,383 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Wildwood ranks
Wildwood ranks lower within Florida (67th percentile statewide) than its 86th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Wildwood ranks 4,468 for wildfire risk (1 is highest) and 1,537 by building count (1 is largest). Within Florida alone, it ranks 312 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
Wildwood's very high rating (86th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
Wildwood's 53.7% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Wildwood's figures come from
Wildwood's 86th-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 Wildwood's dominant indirect exposure actually means, with real examples from across the dataset.