Bay Hill, FL
Bay Hill wildfire risk explained
Bay Hill's 2,188 buildings earn a 73rd-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Bay Hill at the 73rd percentile, close to its 73rd-percentile risk score.
Bay Hill's building exposure, zone by zone
Bay Hill rates 60.2% Minimal exposure against just 21.2% Direct and 18.7% Indirect — of 2,188 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Bay Hill against the rest of the country
Bay Hill's 73rd national percentile looks worse in isolation than its 32nd ranking inside Florida does — this place is on the milder end for its own state, by 41 points. Among the 31,521 US communities USFS scores, Bay Hill ranks 8,536 for wildfire risk (1 is highest) and 6,964 by building count (1 is largest). Within Florida alone, it ranks 647 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Bay Hill
At the 73rd percentile nationally, Bay Hill carries the 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 60.2% of Bay Hill 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
Every one of the two percentiles behind Bay Hill's 8,536-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Bay Hill, see the exposure-zones guide.