Moore Haven, FL
How exposed is Moore Haven to wildfire?
Moore Haven's 979 buildings earn a 89th-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 Moore Haven at the 87th percentile, close to its 89th-percentile risk score.
What "at risk" means for the buildings here
979 buildings are counted in Moore Haven, and 53.4% of them are Indirect exposure — ember-driven risk rather than the 10.5% in Direct exposure or the 36.1% rated Minimal.
How Moore Haven compares
Moore Haven's risk sits at a similar level relative to Florida (77th percentile statewide) as it does nationally (89th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Moore Haven ranks 3,556 for wildfire risk (1 is highest) and 12,078 by building count (1 is largest). Within Florida alone, it ranks 218 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Moore Haven
Moore Haven's very high rating (89th 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 Moore Haven
Moore Haven's 53.4% 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.
Where Moore Haven's figures come from
The methodology guide shows exactly how USFS turned 979 counted buildings into the percentiles shown above for Moore Haven. The exposure-zones guide covers what Moore Haven's dominant indirect exposure actually means, with real examples from across the dataset.