Harbor Bluffs, FL
Harbor Bluffs, FL's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Harbor Bluffs lands at the 54th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 1,275 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Harbor Bluffs at the 54th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Harbor Bluffs's building exposure, zone by zone
USFS classifies 97.9% of Harbor Bluffs's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 2.1% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Harbor Bluffs against the rest of the country
Harbor Bluffs ranks lower within Florida (6th percentile statewide) than its 54th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Harbor Bluffs ranks 14,645 for wildfire risk (1 is highest) and 10,224 by building count (1 is largest). Within Florida alone, it ranks 894 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Harbor Bluffs
At the 54th national percentile, Harbor Bluffs rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Even with 97.9% of Harbor Bluffs 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
Harbor Bluffs's 54th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Harbor Bluffs, see the exposure-zones guide.