Hunters Creek, FL
Hunters Creek wildfire risk explained
USFS scores Hunters Creek at the 88th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 5,300 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hunters Creek at the 88th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Hunters Creek's building exposure, zone by zone
5,300 buildings are counted in Hunters Creek, and 56.8% of them are Indirect exposure — ember-driven risk rather than the 11.6% in Direct exposure or the 31.6% rated Minimal. At 5,300 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Hunters Creek compares
Hunters Creek's risk sits at a similar level relative to Florida (75th percentile statewide) as it does nationally (88th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Hunters Creek ranks 3,810 for wildfire risk (1 is highest) and 3,255 by building count (1 is largest). Within Florida alone, it ranks 245 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
Hunters Creek'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.
Hardening a home in Hunters Creek
Because 56.8% of Hunters Creek'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 Hunters Creek's 3,810-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Hunters Creek, see the exposure-zones guide.