Berkshire Lakes, FL
How exposed is Berkshire Lakes to wildfire?
USFS's Wildfire Risk to Communities model puts Berkshire Lakes at the 62nd national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 923 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Berkshire Lakes at the 65th percentile, close to its 62nd-percentile risk score.
Where Berkshire Lakes's buildings actually sit
98.7% of Berkshire Lakes's 923 buildings sit in USFS's Minimal exposure zone, with only 1.3% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Berkshire Lakes compares
Berkshire Lakes ranks lower within Florida (17th percentile statewide) than its 62nd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Berkshire Lakes ranks 11,970 for wildfire risk (1 is highest) and 12,524 by building count (1 is largest). Within Florida alone, it ranks 796 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
At the 62nd percentile nationally, Berkshire Lakes 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
With 98.7% of buildings rated Minimal exposure, Berkshire Lakes gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Berkshire Lakes's 62nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Berkshire Lakes, see the exposure-zones guide.