Windsor, FL
Windsor wildfire risk explained
Windsor sits at the 81st percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 430 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Windsor at the 79th percentile, close to its 81st-percentile risk score.
Where Windsor's buildings actually sit
USFS classifies 87% of Windsor's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 13% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Windsor ranks
Windsor ranks lower within Florida (51st percentile statewide) than its 81st national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Windsor ranks 5,959 for wildfire risk (1 is highest) and 18,639 by building count (1 is largest). Within Florida alone, it ranks 471 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 81st percentile nationally, Windsor 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
Even with 87% of Windsor outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 430 counted buildings into the percentiles shown above for Windsor. For more on what minimal exposure implies beyond Windsor, see the exposure-zones guide.