Jan Phyl Village, FL
Jan Phyl Village, FL's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Jan Phyl Village at the 91st national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 2,510 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Jan Phyl Village's burn probability — fire likelihood with no building count factored in — sits at the 92nd percentile nationally.
What "at risk" means for the buildings here
Most of Jan Phyl Village's buildings (68.2%) 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 Jan Phyl Village ranks
There's little gap between Jan Phyl Village's 91st national percentile and its 82nd percentile inside Florida, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Jan Phyl Village ranks 2,987 for wildfire risk (1 is highest) and 6,282 by building count (1 is largest). Within Florida alone, it ranks 167 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
Jan Phyl Village's 91st-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Hardening a home in Jan Phyl Village
Jan Phyl Village's 68.2% 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.
More on how this number was built
Every one of the two percentiles behind Jan Phyl Village's 2,987-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Jan Phyl Village, see the exposure-zones guide.