Crooked Lake Park, FL
Crooked Lake Park wildfire risk explained
Crooked Lake Park's 1,012 buildings earn a 95th-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.)
Separately from the risk score above, Crooked Lake Park's burn probability — fire likelihood with no building count factored in — sits at the 96th percentile nationally.
What "at risk" means for the buildings here
Indirect exposure is dominant in Crooked Lake Park (82% of 1,012 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 18% sit in the Direct zone.
How Crooked Lake Park compares
There's little gap between Crooked Lake Park's 95th national percentile and its 93rd percentile inside Florida, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Crooked Lake Park ranks 1,540 for wildfire risk (1 is highest) and 11,847 by building count (1 is largest). Within Florida alone, it ranks 68 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 95th percentile nationally, Crooked Lake Park carries the very 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.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Crooked Lake Park (82% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Every one of the two percentiles behind Crooked Lake Park's 1,540-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Crooked Lake Park, see the exposure-zones guide.