Alturas, FL
Alturas wildfire risk explained
Alturas sits at the 94th 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 2,881 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Alturas at the 95th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Alturas's building exposure, zone by zone
2,881 buildings are counted in Alturas, and 87.7% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0.5% rated Minimal.
Where Alturas ranks
Alturas scores 94th nationally and 89th within Florida — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Alturas ranks 1,947 for wildfire risk (1 is highest) and 5,611 by building count (1 is largest). Within Florida alone, it ranks 106 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
Alturas's very high rating (94th 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
Alturas's 87.7% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Alturas's figures come from
Every one of the two percentiles behind Alturas's 1,947-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Alturas's dominant direct exposure actually means, with real examples from across the dataset.