Zephyrhills North, FL
Zephyrhills North, FL's wildfire risk, in USFS's own numbers
Zephyrhills North's 1,875 buildings earn a 85th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Zephyrhills North at the 88th percentile, close to its 85th-percentile risk score.
What "at risk" means for the buildings here
USFS classifies 58.4% of Zephyrhills North's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 15.5% Direct and 26.2% Indirect — a landscape-level risk rather than a building-by-building one.
How Zephyrhills North compares
Inside Florida, Zephyrhills North sits at just the 63rd percentile even though it scores 85th 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, Zephyrhills North ranks 4,785 for wildfire risk (1 is highest) and 7,835 by building count (1 is largest). Within Florida alone, it ranks 353 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
Zephyrhills North's 85th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
What would actually reduce this score
Even with 58.4% of Zephyrhills North 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.
Where Zephyrhills North's figures come from
The methodology guide shows exactly how USFS turned 1,875 counted buildings into the percentiles shown above for Zephyrhills North. The exposure-zones guide covers what Zephyrhills North's dominant minimal exposure actually means, with real examples from across the dataset.