Homestead, FL
How exposed is Homestead to wildfire?
USFS scores Homestead at the 96th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 14,217 real buildings rather than raw vegetation cover. (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 at the 96th percentile, close to its 96th-percentile risk score.
What "at risk" means for the buildings here
Most of Homestead's buildings (81.1% of 14,217) 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. At 14,217 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Homestead compares
Homestead scores 96th nationally and 94th 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, Homestead ranks 1,381 for wildfire risk (1 is highest) and 1,053 by building count (1 is largest). Within Florida alone, it ranks 58 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Homestead
Homestead's very high rating (96th 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.
Lowering exposure, not just insuring around it
With 81.1% of buildings rated Minimal exposure, Homestead gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Homestead's 96th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Homestead, see the exposure-zones guide.