Harbour Heights, FL
How exposed is Harbour Heights to wildfire?
Harbour Heights's 1,770 buildings earn a 83rd-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Harbour Heights at the 82nd percentile, close to its 83rd-percentile risk score.
What "at risk" means for the buildings here
1,770 buildings are counted in Harbour Heights, and 37.1% of them are Indirect exposure — ember-driven risk rather than the 27.9% in Direct exposure or the 35% rated Minimal.
How Harbour Heights compares
Inside Florida, Harbour Heights sits at just the 57th percentile even though it scores 83rd nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Harbour Heights ranks 5,444 for wildfire risk (1 is highest) and 8,152 by building count (1 is largest). Within Florida alone, it ranks 414 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Harbour Heights and the insurance market
Harbour Heights's very high rating (83rd 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
Because 37.1% of Harbour Heights's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Harbour Heights's figures come from
The methodology guide shows exactly how USFS turned 1,770 counted buildings into the percentiles shown above for Harbour Heights. The exposure-zones guide covers what Harbour Heights's dominant indirect exposure actually means, with real examples from across the dataset.