Tequesta, FL
Tequesta, FL's wildfire risk, in USFS's own numbers
Tequesta sits at the 81st percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 2,032 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Tequesta at the 80th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Tequesta's buildings actually sit
USFS classifies 68.4% of Tequesta's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 3.1% Direct and 28.5% Indirect — a landscape-level risk rather than a building-by-building one.
Tequesta against the rest of the country
Tequesta's 81st national percentile looks worse in isolation than its 52nd ranking inside Florida does — this place is on the milder end for its own state, by 29 points. Among the 31,521 US communities USFS scores, Tequesta ranks 5,891 for wildfire risk (1 is highest) and 7,377 by building count (1 is largest). Within Florida alone, it ranks 461 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 81st percentile nationally, Tequesta 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.
What would actually reduce this score
Tequesta's 68.4% 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 Tequesta's figures come from
The methodology guide shows exactly how USFS turned 2,032 counted buildings into the percentiles shown above for Tequesta. The exposure-zones guide covers what Tequesta's dominant minimal exposure actually means, with real examples from across the dataset.