Inverness, FL
Inverness, FL's wildfire risk, in USFS's own numbers
Inverness's 3,413 buildings earn a 85th-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 Inverness at the 84th percentile, close to its 85th-percentile risk score.
What "at risk" means for the buildings here
Most of Inverness's buildings (69.2%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Where Inverness ranks
Inside Florida, Inverness sits at just the 66th percentile even though it scores 85th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Inverness ranks 4,630 for wildfire risk (1 is highest) and 4,899 by building count (1 is largest). Within Florida alone, it ranks 326 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Inverness and the insurance market
At the 85th percentile nationally, Inverness 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.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Inverness (69.2% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Inverness's figures come from
The methodology guide shows exactly how USFS turned 3,413 counted buildings into the percentiles shown above for Inverness. The exposure-zones guide covers what Inverness's dominant indirect exposure actually means, with real examples from across the dataset.