Westlake, FL
Westlake, FL's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Westlake at the 76th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 323 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Westlake's burn probability — fire likelihood with no building count factored in — sits at the 77th percentile nationally.
Where Westlake's buildings actually sit
Most of Westlake's buildings (97.2%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
How Westlake compares
Inside Florida, Westlake sits at just the 37th percentile even though it scores 76th 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, Westlake ranks 7,716 for wildfire risk (1 is highest) and 21,001 by building count (1 is largest). Within Florida alone, it ranks 599 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
Westlake's high rating (76th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
Westlake's 97.2% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Westlake's 7,716-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Westlake, see the exposure-zones guide.