Harold, FL
Harold, FL's wildfire risk, in USFS's own numbers
Harold's 679 buildings earn a 85th-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.)
Separately from the risk score above, Harold's burn probability — fire likelihood with no building count factored in — sits at the 85th percentile nationally.
Where Harold's buildings actually sit
679 buildings are counted in Harold, and 100% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Where Harold ranks
Harold's 85th national percentile looks worse in isolation than its 63rd ranking inside Florida does — this place is on the milder end for its own state, by 22 points. Among the 31,521 US communities USFS scores, Harold ranks 4,848 for wildfire risk (1 is highest) and 14,867 by building count (1 is largest). Within Florida alone, it ranks 357 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
Harold's 85th-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
Harold's 100% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Every one of the two percentiles behind Harold's 4,848-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Harold, see the exposure-zones guide.