Havana, FL
Havana wildfire risk explained
USFS scores Havana at the 74th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 1,007 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Havana at the 73rd national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Havana's buildings actually sit
Direct exposure dominates in Havana: 60.7% of its 1,007 buildings, versus 39.3% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Havana ranks
Havana's 74th national percentile looks worse in isolation than its 34th ranking inside Florida does — this place is on the milder end for its own state, by 40 points. Among the 31,521 US communities USFS scores, Havana ranks 8,220 for wildfire risk (1 is highest) and 11,882 by building count (1 is largest). Within Florida alone, it ranks 632 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Havana and the insurance market
Havana's high rating (74th 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 Direct exposure dominates in Havana (60.7%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Havana's 8,220-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Havana, see the exposure-zones guide.