Layton, FL
Layton, FL's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Layton lands at the 60th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 171 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Layton's burn probability — fire likelihood with no building count factored in — sits at the 61st percentile nationally.
Where Layton's buildings actually sit
93% of Layton's 171 buildings sit in USFS's Minimal exposure zone, with only 7% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Layton against the rest of the country
Layton's 60th national percentile looks worse in isolation than its 15th 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, Layton ranks 12,475 for wildfire risk (1 is highest) and 25,975 by building count (1 is largest). Within Florida alone, it ranks 811 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Layton and the insurance market
Layton's 60th-percentile, 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.
What would actually reduce this score
Layton's 93% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Layton's figures come from
The methodology guide shows exactly how USFS turned 171 counted buildings into the percentiles shown above for Layton. The exposure-zones guide covers what Layton's dominant minimal exposure actually means, with real examples from across the dataset.