Hastings, FL
How exposed is Hastings to wildfire?
USFS's Wildfire Risk to Communities model puts Hastings at the 75th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 713 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Hastings at the 76th percentile, close to its 75th-percentile risk score.
Where Hastings's buildings actually sit
51.5% of Hastings's 713 buildings sit in USFS's Direct exposure zone, roughly 367 structures close enough to burnable vegetation for flame contact, not just embers — 48.5% fall in the Indirect, ember-only zone and 0% are Minimal.
Hastings against the rest of the country
Inside Florida, Hastings sits at just the 35th percentile even though it scores 75th 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, Hastings ranks 8,035 for wildfire risk (1 is highest) and 14,527 by building count (1 is largest). Within Florida alone, it ranks 620 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
Hastings's 75th-percentile, 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.
Hardening a home in Hastings
Hastings's 51.5% 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.
Where Hastings's figures come from
The methodology guide shows exactly how USFS turned 713 counted buildings into the percentiles shown above for Hastings. The exposure-zones guide covers what Hastings's dominant direct exposure actually means, with real examples from across the dataset.