Cypress Lake, FL
How exposed is Cypress Lake to wildfire?
USFS scores Cypress Lake at the 75th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 3,853 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Cypress Lake's burn probability — fire likelihood with no building count factored in — sits at the 75th percentile nationally.
Cypress Lake's building exposure, zone by zone
Cypress Lake rates 82.4% Minimal exposure against just 4.2% Direct and 13.4% Indirect — of 3,853 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Cypress Lake ranks
Cypress Lake ranks lower within Florida (35th percentile statewide) than its 75th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Cypress Lake ranks 8,034 for wildfire risk (1 is highest) and 4,380 by building count (1 is largest). Within Florida alone, it ranks 619 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Cypress Lake and the insurance market
At the 75th percentile nationally, Cypress Lake 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.
Hardening a home in Cypress Lake
Even with 82.4% of Cypress Lake 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
Cypress Lake's 75th-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 Cypress Lake, see the exposure-zones guide.