Horizon West, FL
Horizon West wildfire risk explained
Horizon West's 16,427 buildings earn a 87th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Horizon West at the 89th percentile, close to its 87th-percentile risk score.
Horizon West's building exposure, zone by zone
USFS puts 77% of Horizon West's 16,427 buildings in the Indirect exposure zone, versus 20.7% Direct and 2.3% Minimal — a place where the fire doesn't need to reach the structure directly for embers to. At 16,427 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Horizon West compares
Horizon West's 87th national percentile looks worse in isolation than its 72nd ranking inside Florida does — this place is on the milder end for its own state, by 15 points. Among the 31,521 US communities USFS scores, Horizon West ranks 4,059 for wildfire risk (1 is highest) and 883 by building count (1 is largest). Within Florida alone, it ranks 268 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Horizon West
At the 87th percentile nationally, Horizon West 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.
Hardening a home in Horizon West
Horizon West's 77% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Horizon West's figures come from
The methodology guide shows exactly how USFS turned 16,427 counted buildings into the percentiles shown above for Horizon West. The exposure-zones guide covers what Horizon West's dominant indirect exposure actually means, with real examples from across the dataset.