Howey-in-the-Hills, FL
Howey-in-the-Hills wildfire risk explained
USFS scores Howey-in-the-Hills at the 88th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 784 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Howey-in-the-Hills at the 89th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
784 buildings are counted in Howey-in-the-Hills, and 58.6% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0.1% rated Minimal.
How Howey-in-the-Hills compares
There's little gap between Howey-in-the-Hills's 88th national percentile and its 74th percentile inside Florida, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Howey-in-the-Hills ranks 3,841 for wildfire risk (1 is highest) and 13,779 by building count (1 is largest). Within Florida alone, it ranks 248 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
What this risk score means for insurance
Howey-in-the-Hills's very high rating (88th 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
Howey-in-the-Hills's 58.6% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Howey-in-the-Hills's figures come from
Howey-in-the-Hills's 88th-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 Howey-in-the-Hills's dominant direct exposure actually means, with real examples from across the dataset.