Windermere, FL
Windermere, FL's wildfire risk, in USFS's own numbers
Windermere's 1,419 buildings earn a 65th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Windermere at the 66th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Windermere's buildings actually sit
Only 47.5% of Windermere's 1,419 buildings carry Direct exposure and 0% carry Indirect; the remaining 52.5% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Windermere ranks
Windermere ranks lower within Florida (19th percentile statewide) than its 65th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Windermere ranks 11,054 for wildfire risk (1 is highest) and 9,542 by building count (1 is largest). Within Florida alone, it ranks 771 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Windermere and the insurance market
Windermere's high rating (65th 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.
Hardening a home in Windermere
Windermere's 52.5% 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.
Where Windermere's figures come from
Every one of the two percentiles behind Windermere's 11,054-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Windermere's dominant minimal exposure actually means, with real examples from across the dataset.