Hypoluxo, FL
How exposed is Hypoluxo to wildfire?
USFS's Wildfire Risk to Communities model puts Hypoluxo at the 63rd national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 506 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hypoluxo at the 63rd national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Hypoluxo's buildings actually sit
Most of Hypoluxo's buildings (98.6% of 506) 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.
How Hypoluxo compares
Hypoluxo's 63rd national percentile looks worse in isolation than its 18th ranking inside Florida does — this place is on the milder end for its own state, by 45 points. Among the 31,521 US communities USFS scores, Hypoluxo ranks 11,525 for wildfire risk (1 is highest) and 17,237 by building count (1 is largest). Within Florida alone, it ranks 783 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Hypoluxo and the insurance market
At the 63rd percentile nationally, Hypoluxo carries the 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.
Lowering exposure, not just insuring around it
Even with 98.6% of Hypoluxo outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Hypoluxo's figures come from
Hypoluxo's 63rd-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 Hypoluxo's dominant minimal exposure actually means, with real examples from across the dataset.