Westchester, FL
How exposed is Westchester to wildfire?
USFS scores Westchester at the 53rd national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 14,179 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Westchester at the 60th percentile, close to its 53rd-percentile risk score.
Westchester's building exposure, zone by zone
98% of Westchester's 14,179 buildings sit in USFS's Minimal exposure zone, with only 2.1% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself. At 14,179 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Westchester compares
Westchester ranks lower within Florida (6th percentile statewide) than its 53rd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Westchester ranks 14,868 for wildfire risk (1 is highest) and 1,058 by building count (1 is largest). Within Florida alone, it ranks 900 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
Westchester's elevated rating (53rd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Westchester
Westchester's 98% 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.
More on how this number was built
Westchester's 53rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Westchester, see the exposure-zones guide.