Harlem Heights, FL
Harlem Heights, FL's wildfire risk, in USFS's own numbers
USFS scores Harlem Heights at the 79th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 394 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Harlem Heights's burn probability — fire likelihood with no building count factored in — sits at the 80th percentile nationally.
Where Harlem Heights's buildings actually sit
USFS classifies 82.7% of Harlem Heights's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 17.3% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Harlem Heights against the rest of the country
Harlem Heights ranks lower within Florida (45th percentile statewide) than its 79th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Harlem Heights ranks 6,674 for wildfire risk (1 is highest) and 19,327 by building count (1 is largest). Within Florida alone, it ranks 525 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Harlem Heights and the insurance market
Harlem Heights's high rating (79th 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.
Lowering exposure, not just insuring around it
Even with 82.7% of Harlem Heights 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 Harlem Heights's 6,674-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Harlem Heights, see the exposure-zones guide.