Port Richey, FL
Port Richey, FL's wildfire risk, in USFS's own numbers
Port Richey's 1,527 buildings earn a 86th-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.)
Separately from the risk score above, Port Richey's burn probability — fire likelihood with no building count factored in — sits at the 81st percentile nationally.
Port Richey's building exposure, zone by zone
USFS puts 75.1% of Port Richey's 1,527 buildings in the Indirect exposure zone, versus 12.1% Direct and 12.9% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Port Richey ranks
Port Richey's 86th national percentile looks worse in isolation than its 69th ranking inside Florida does — this place is on the milder end for its own state, by 18 points. Among the 31,521 US communities USFS scores, Port Richey ranks 4,315 for wildfire risk (1 is highest) and 9,049 by building count (1 is largest). Within Florida alone, it ranks 300 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
Port Richey's very high rating (86th 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.
What would actually reduce this score
With ember exposure the dominant pattern in Port Richey (75.1% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,527 counted buildings into the percentiles shown above for Port Richey. For more on what indirect exposure implies beyond Port Richey, see the exposure-zones guide.