Zephyrhills South, FL
Zephyrhills South, FL's wildfire risk, in USFS's own numbers
Zephyrhills South's 4,672 buildings earn a 88th-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 South at the 90th percentile, close to its 88th-percentile risk score.
What "at risk" means for the buildings here
4,672 buildings are counted in Zephyrhills South, and 66.9% of them are Indirect exposure — ember-driven risk rather than the 15.5% in Direct exposure or the 17.7% rated Minimal.
Where Zephyrhills South ranks
Zephyrhills South's risk sits at a similar level relative to Florida (76th percentile statewide) as it does nationally (88th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Zephyrhills South ranks 3,747 for wildfire risk (1 is highest) and 3,639 by building count (1 is largest). Within Florida alone, it ranks 237 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 South's very high rating (88th 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.
Lowering exposure, not just insuring around it
Zephyrhills South's 66.9% 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.
Where Zephyrhills South's figures come from
Zephyrhills South's 88th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Zephyrhills South's dominant indirect exposure actually means, with real examples from across the dataset.