Homestead Base, FL
Homestead Base wildfire risk explained
USFS's Wildfire Risk to Communities model puts Homestead Base at the 92nd national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 325 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 Homestead Base at the 93rd percentile, close to its 92nd-percentile risk score.
What "at risk" means for the buildings here
78.2% of Homestead Base's 325 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 14.5% Direct and 7.4% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Where Homestead Base ranks
There's little gap between Homestead Base's 92nd national percentile and its 86th percentile inside Florida, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Homestead Base ranks 2,394 for wildfire risk (1 is highest) and 20,951 by building count (1 is largest). Within Florida alone, it ranks 135 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Homestead Base
Homestead Base's 92nd-percentile, very 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.
Lowering exposure, not just insuring around it
Because 78.2% of Homestead Base'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.
More on how this number was built
Every one of the two percentiles behind Homestead Base's 2,394-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Homestead Base, see the exposure-zones guide.