Gotha, FL
Gotha, FL's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Gotha lands at the 64th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 885 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Gotha at the 65th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Gotha's building exposure, zone by zone
Most of Gotha's buildings (60.9% of 885) 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.
Gotha against the rest of the country
Gotha's 64th national percentile looks worse in isolation than its 18th ranking inside Florida does — this place is on the milder end for its own state, by 45 points. Among the 31,521 US communities USFS scores, Gotha ranks 11,463 for wildfire risk (1 is highest) and 12,855 by building count (1 is largest). Within Florida alone, it ranks 781 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 64th percentile nationally, Gotha 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
Even with 60.9% of Gotha 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
The methodology guide shows exactly how USFS turned 885 counted buildings into the percentiles shown above for Gotha. For more on what minimal exposure implies beyond Gotha, see the exposure-zones guide.