Waverly, FL
How exposed is Waverly to wildfire?
Waverly sits at the 87th 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 456 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Waverly at the 89th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Of Waverly's 456 counted buildings, 70% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Waverly compares
Waverly ranks lower within Florida (71st percentile statewide) than its 87th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Waverly ranks 4,128 for wildfire risk (1 is highest) and 18,148 by building count (1 is largest). Within Florida alone, it ranks 277 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Waverly
Waverly's 87th-percentile, very 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.
Hardening a home in Waverly
With 70% of Waverly in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Waverly's figures come from
The methodology guide shows exactly how USFS turned 456 counted buildings into the percentiles shown above for Waverly. The exposure-zones guide covers what Waverly's dominant direct exposure actually means, with real examples from across the dataset.