Highland City, FL
How exposed is Highland City to wildfire?
USFS's Wildfire Risk to Communities model puts Highland City at the 92nd national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 4,751 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Highland City at the 93rd national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Highland City's building exposure, zone by zone
Most of Highland City's buildings (51.6%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
How Highland City compares
Highland City scores 92nd nationally and 85th within Florida — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Highland City ranks 2,519 for wildfire risk (1 is highest) and 3,591 by building count (1 is largest). Within Florida alone, it ranks 139 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Highland City and the insurance market
At the 92nd percentile nationally, Highland City carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
What would actually reduce this score
Because 51.6% of Highland City's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Highland City's figures come from
Highland City's 92nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Highland City's dominant indirect exposure actually means, with real examples from across the dataset.