Crystal Lake, FL
How exposed is Crystal Lake to wildfire?
USFS's Wildfire Risk to Communities model puts Crystal Lake at the 84th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 2,389 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Crystal Lake's burn probability — fire likelihood with no building count factored in — sits at the 85th percentile nationally.
Where Crystal Lake's buildings actually sit
Only 17% of Crystal Lake's 2,389 buildings carry Direct exposure and 22.1% carry Indirect; the remaining 61% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Crystal Lake ranks
Crystal Lake ranks lower within Florida (59th 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, Crystal Lake ranks 5,162 for wildfire risk (1 is highest) and 6,534 by building count (1 is largest). Within Florida alone, it ranks 389 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Shopping for coverage in Crystal Lake
At the 84th percentile nationally, Crystal Lake 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 61% of buildings rated Minimal exposure, Crystal Lake gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Crystal Lake's figures come from
The methodology guide shows exactly how USFS turned 2,389 counted buildings into the percentiles shown above for Crystal Lake. The exposure-zones guide covers what Crystal Lake's dominant minimal exposure actually means, with real examples from across the dataset.