Bay Lake, FL
Bay Lake wildfire risk explained
Out of every US place USFS scores, Bay Lake lands at the 88th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 2,742 buildings, not the land around them. (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 Lake at the 89th percentile, close to its 88th-percentile risk score.
Bay Lake's building exposure, zone by zone
58.9% of Bay Lake's 2,742 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 28.2% Direct and 12.9% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Bay Lake against the rest of the country
Bay Lake's risk sits at a similar level relative to Florida (75th 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, Bay Lake ranks 3,744 for wildfire risk (1 is highest) and 5,865 by building count (1 is largest). Within Florida alone, it ranks 234 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Bay Lake and the insurance market
Bay Lake'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
With ember exposure the dominant pattern in Bay Lake (58.9% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Bay Lake's figures come from
The methodology guide shows exactly how USFS turned 2,742 counted buildings into the percentiles shown above for Bay Lake. The exposure-zones guide covers what Bay Lake's dominant indirect exposure actually means, with real examples from across the dataset.