Haverhill, FL
Haverhill wildfire risk explained
Haverhill sits at the 50th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 796 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Haverhill's burn probability — fire likelihood with no building count factored in — sits at the 54th percentile nationally.
Where Haverhill's buildings actually sit
USFS classifies 79% of Haverhill's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 21% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How Haverhill compares
Haverhill ranks lower within Florida (4th percentile statewide) than its 50th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Haverhill ranks 15,908 for wildfire risk (1 is highest) and 13,675 by building count (1 is largest). Within Florida alone, it ranks 919 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
At the 50th national percentile, Haverhill rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Even with 79% of Haverhill 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 Haverhill's 15,908-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Haverhill, see the exposure-zones guide.