Asbury Lake, FL
Asbury Lake wildfire risk explained
Asbury Lake sits at the 84th 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 4,542 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Asbury Lake's burn probability — fire likelihood with no building count factored in — sits at the 84th percentile nationally.
What "at risk" means for the buildings here
USFS puts 51.2% of Asbury Lake's 4,542 buildings in the Indirect exposure zone, versus 48.6% Direct and 0.2% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Asbury Lake compares
Asbury Lake ranks lower within Florida (60th percentile statewide) than its 84th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Asbury Lake ranks 5,134 for wildfire risk (1 is highest) and 3,759 by building count (1 is largest). Within Florida alone, it ranks 386 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Asbury Lake and the insurance market
Asbury Lake's 84th-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
Asbury Lake's 51.2% 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 Asbury Lake's figures come from
Every one of the two percentiles behind Asbury Lake's 5,134-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Asbury Lake's dominant indirect exposure actually means, with real examples from across the dataset.