Heritage Pines, FL
Heritage Pines wildfire risk explained
USFS scores Heritage Pines at the 85th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 1,165 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Heritage Pines at the 85th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Heritage Pines's building exposure, zone by zone
Most of Heritage Pines's buildings (56.9% of 1,165) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Heritage Pines against the rest of the country
Heritage Pines's 85th national percentile looks worse in isolation than its 66th ranking inside Florida does — this place is on the milder end for its own state, by 20 points. Among the 31,521 US communities USFS scores, Heritage Pines ranks 4,629 for wildfire risk (1 is highest) and 10,865 by building count (1 is largest). Within Florida alone, it ranks 325 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Heritage Pines
Heritage Pines's very high rating (85th 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
Heritage Pines's 56.9% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,165 counted buildings into the percentiles shown above for Heritage Pines. For more on what minimal exposure implies beyond Heritage Pines, see the exposure-zones guide.