Winter Garden, FL
How exposed is Winter Garden to wildfire?
Out of every US place USFS scores, Winter Garden lands at the 73rd percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 15,977 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Winter Garden's burn probability — fire likelihood with no building count factored in — sits at the 74th percentile nationally.
What "at risk" means for the buildings here
USFS classifies 44.6% of Winter Garden's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 17.7% Direct and 37.7% Indirect — a landscape-level risk rather than a building-by-building one. At 15,977 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Winter Garden against the rest of the country
Inside Florida, Winter Garden sits at just the 33rd percentile even though it scores 73rd 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, Winter Garden ranks 8,409 for wildfire risk (1 is highest) and 917 by building count (1 is largest). Within Florida alone, it ranks 641 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Winter Garden and the insurance market
Winter Garden's high rating (73rd 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 Winter Garden
With 44.6% of buildings rated Minimal exposure, Winter Garden gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Winter Garden's figures come from
Every one of the two percentiles behind Winter Garden's 8,409-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Winter Garden's dominant minimal exposure actually means, with real examples from across the dataset.