Westgate, FL
How exposed is Westgate to wildfire?
USFS's Wildfire Risk to Communities model puts Westgate at the 44th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 1,900 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Westgate at the 48th percentile, close to its 44th-percentile risk score.
Westgate's building exposure, zone by zone
Most of Westgate's buildings (99.1% of 1,900) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Where Westgate ranks
Inside Florida, Westgate sits at just the 1st percentile even though it scores 44th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Westgate ranks 17,513 for wildfire risk (1 is highest) and 7,761 by building count (1 is largest). Within Florida alone, it ranks 943 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Westgate
Westgate's elevated wildfire rating (44th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
With 99.1% of buildings rated Minimal exposure, Westgate gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Westgate's figures come from
Every one of the two percentiles behind Westgate's 17,513-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Westgate's dominant minimal exposure actually means, with real examples from across the dataset.