Gateway, FL
How exposed is Gateway to wildfire?
Out of every US place USFS scores, Gateway lands at the 94th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 3,991 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Gateway's burn probability — fire likelihood with no building count factored in — sits at the 94th percentile nationally.
Gateway's building exposure, zone by zone
Most of Gateway's buildings (71.4% of 3,991) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Where Gateway ranks
Gateway'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, Gateway ranks 1,948 for wildfire risk (1 is highest) and 4,254 by building count (1 is largest). Within Florida alone, it ranks 107 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
Gateway'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.
What would actually reduce this score
Even with 71.4% of Gateway outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Gateway's 1,948-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Gateway, see the exposure-zones guide.