Webster, FL
Webster, FL's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Webster lands at the 90th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 528 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Webster at the 92nd percentile, close to its 90th-percentile risk score.
What "at risk" means for the buildings here
528 buildings are counted in Webster, and 57.6% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Webster against the rest of the country
Webster scores 90th nationally and 80th within Florida — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Webster ranks 3,239 for wildfire risk (1 is highest) and 16,890 by building count (1 is largest). Within Florida alone, it ranks 189 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 90th percentile nationally, Webster 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
Because Direct exposure dominates in Webster (57.6%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Webster's figures come from
The methodology guide shows exactly how USFS turned 528 counted buildings into the percentiles shown above for Webster. The exposure-zones guide covers what Webster's dominant direct exposure actually means, with real examples from across the dataset.