Shady Hills, FL
Shady Hills, FL's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Shady Hills lands at the 85th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 7,527 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Shady Hills's burn probability — fire likelihood with no building count factored in — sits at the 87th percentile nationally.
Where Shady Hills's buildings actually sit
7,527 buildings are counted in Shady Hills, and 70.6% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 26.3% rated Minimal. At 7,527 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Shady Hills against the rest of the country
Shady Hills's 85th national percentile looks worse in isolation than its 66th ranking inside Florida does — this place is on the milder end for its own state, by 19 points. Among the 31,521 US communities USFS scores, Shady Hills ranks 4,595 for wildfire risk (1 is highest) and 2,272 by building count (1 is largest). Within Florida alone, it ranks 323 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
At the 85th percentile nationally, Shady Hills 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
Because Direct exposure dominates in Shady Hills (70.6%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Shady Hills's 85th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Shady Hills, see the exposure-zones guide.